BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On or about XX/XX/2018, XX/XX/2018 and XX/XX/2018, I sent written notice to XXXX   XXXX and Trans Union that they were reporting 2 Bankruptcy accounts that are not mine. I asked each repository to provide where that information came from and to delete accordingly. Only XXXX provided XXXX XXXX as being where they received the information I have subsequently reached out to XXXX XXXX and the US Bankruptcy Court and was told that neither verifies any 3rd party requests. There is no way that any repository was able to verify these accounts that are not mine as being mine since the US Bankruptcy Court does not verify this type of information to 3rd parties

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 2020-10-14
Company: BSI Financial Holdings, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
BSI has been a nightmare to work with. They never return phone calls, the customer care department can't even send out e-mails. When I inquire about what they need from me to fix a problem, I have asked for the needed documents to be sent via e-mail. They tell me they can not email me.

Every person I have spoken to has given me the same response ; " I will be escalating this to a higher degree to have this resolved for you. I am fully committed to taking care of this problem! '' Guess what, I NEVER HEAR BACK. Nothing get 's taken care of and my problems still exist.

It is going on 3 months of dealing with this company to fix my issues, that do not stem from me. It's lack of communication on their end. Each person I talk to shoves my problem ( s ) off to someone else. Then I have to wait for them to call me, which never happens. I place
a call in again and have to start all over explaining what the issue is. And that's a repetitive cycle. OVER AND OVER AGAIN. I have spoken to over 5 different people explaining my issue. Over 5 different people have given me the same resolution ... NONE! NO RESOLUTION! Currently, my online account says I am delinquent in my monthly payment. However, I have sent in e-mail proof of a written check ( dated ) and confirmation of withdrawal from my bank account, paying the mortgage. BSI has not credited my account! I have received calls
from debt collection asking if I " PLAN ON MAKING MY PAYMENT ''. I HAVE ALREADY PAID, AND I HAVE EMAILED BSI PROOF OF PAYMENT!!

When I try to speak with a supervisor, oh, apparently they can not be contacted. A request has to be submitted for them to call you back. GOOD LUCK HEARING BACK!

If i could, I would withdraw from BSI Financial Services. I want nothing to do with this horrendous company. And there is nobody who will help me. 

On XX/XX/20, I called BSI once again to resolve the issue. The " CUSTOMER CARE '' individual told me, once again, " I will escalate this to the next level and you will receive a phone call before XXXX ( XX/XX/20 Eastern time ) to speak with someone about this issue. '' I bet you can guess what happened next. NO PHONE CALL!!!!!!!!!!! DISGUSTING!!

There is not enough time for me to explain all the issues with this company. My recommendation to you, if being transferred to BSI, BACK OUT!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
After the XXXX data breach, I put a freeze on our credit information at all three credit agencies. We are now buying a new home and successfully removed the freezes with XXXX and XXXX. ( The mortgage company will only underwrite the mortgage using a consolidated credit report including all 3 agencies. ) Despite many phone calls to Experian and website visits during XX/XX/2018 to the present ( XX/XX/2018 ), we so far have been unable to talk to a live person. 
In my visits to the website, after entering social security number, zip code and the numeric portion of our street address, the automated message said it needed yet more information and told me to mail several documents to a XXXX, TX address. 
One time when I was on Experians website I saw I could upload the additional information. I did this but received no confirmation that the information was received. 
The upshot is we are being held hostage by Experian to get the freeze on our Experian account lifted.

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 2018-06-21
Company: PENTAGON FEDERAL CREDIT UNION
State: VI
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: Problem with personal statement of dispute

Complaint:
In XX/XX/2018 I receive a notification of a Pentagon Federal credit card being added to my credit report causing a negative effect on my credit score. This account has XXXX listed as an Authorized User on the card. This is a card I have no knowledge about never knew I was added to this card. So I called Pentagon Federal Credit Union to ask why was this added to my credit report and I have no knowledge of this. I then said that I would like to be remove as an authorized user because I never gave permission to be added to the account. The representative told me when I spoke to her to send in a written letter asking to be remove because I have no knowledge of the card. I did such, and they called me and told me that I couldnt be remove because the owner of the account has to remove me. She then asked me if I could make a payment I told her a payment I am not responsible for this account and make it worse I dont have knowledge of if.. They Decline my request. I then Ask them if there is any other way that I could be remove the clearly told me no.. I the. Dispute it 3 times and the results came back saying the the card is mine. I have tried over and over asking Pentagon to please please just remove my name because its adversely affecting my credit score, and affecting me from becoming a homeowner. I can not get a mortgage loan and would not be a candidate to even apply because of what Pentagon Federal Credit Union is doing to me.. Please help me.. 

XXXX XXXX XXXX 1. Disputed Conf # XXXX 2. Disputed Conf # XXXX 3. Disputed Conf # 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 2018-06-21
Company: SYNCHRONY FINANCIAL
State: RI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I recently discovered, quite by accident that attached to my PayPal account there was something that PayPal set up without my signature or application ( at least they have been unable thus far to provide any proof that I had applied for this account so it is much like the XXXX XXXX situation ) and placed charges on this account at a rate of about 25 % interest. The account was associated with my PayPal account but the billing address was an address that I had not occupied for several years. The way I found out about this account was that I had closed my old account associated with my PayPal account and started getting three to four calls a day badgering me to make my PayPal Credit payment. I was on vacation at the time and I thought that somehow I had {$310.00} of unpaid PayPal transaction that needed to be paid so I paid it from my new account. UPon investigation when I returned home I learned that it was " payment on my PayPal Creidit Account with 25.49 % interest. '' I was genuinely confused and contacted customer service and have basically been given a lot of vague answers. They could not provide me with any specifics like an application for the credit or anything like that instead they told me to go through transactions. 
The problem I have is that I do not recall applying for this credit or authorizing charges with it. I have used PayPal delay pay ( pay for something after it is delivered ) and split charges ( paying for items in multiple payments but not as a credit card or credit line but as two separate cash withdrawals ).

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 2018-02-24
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I just got back my Equifax dispute results and It says that I did not include account names, numbers, and the nature of dispute. Which is wrong since I always put account numbers and company name and nature of dispute. I was disputing XXXX XXXX for not verified because Equifax has not supplied me the documents used to verify this debt. Also they have not provided me who and when they allegedly verified this debt. Confirmation number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
A XXXX XXXX XXXX XXXX notice was sent to me late last year ( the notice was undated ) declaring that my 8.49 % Chase freedom card interest rate would be raised to 13.49 % as of XX/XX/18. The notice gave the reason for this sudden increase, which I view as an illegal penalty increase that disregards my FICO score of XXXX and excellent payment history, as solely due to " my APRs are below the lowest APRs we currently offer on similar accounts. We also took into account your other Chase relationships when making this change. '' What does consistency with other products mean? The last vague and opportuniistic reference is particularly disconcerting as I have a long standing relationship with Chase, including my home mortgage and have refinanced my mortgage with them several times over the years. My unfavorable rate increase is based on vague, arbitrary standards and corporate favoritism, and amounts to price gouging! It is not based on my timely payment history, excellent FICO score or my risk to the lender - Chase Bank. The notice also declared that if I do not accept the new and much higher interst rate, my rejection will result in the closing of my account!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: Shellpoint Partners, LLC
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: Old information reappears or never goes away

Complaint:
Contacted Company about reporting account that was discharged in bankruptcy 12 years ago. Randomly in XX/XX/XXXX they started to report it on my credit reports even though it was never reaffirmed. They stated a supervisor would call back but never did. Filed disputes with 3 major reporting agencies and results have been " they say it's accurate '' even though I included copies of bankruptcy ( XXXX ) and discharge ( XXXX ).

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a Citi checking account on approximately XX/XX/XXXX. The checking account came with a promotion that I would earn a {$300.00} cash bonus if I met the following requirements ( terms attached ) : 1 ) Within thirty days of account opening : Make a qualifying deposit of {$15000.00} or more in new-to-Citibank funds into the new checking account, and maintain a minimum balance of {$15000.00} for sixty consecutive calendar days following the date the qualifying deposit was made.

2 ) Within sixty days after accounting opening : 1 qualifying Direct Deposit must post to the new checking account each month for two consecutive months after opening the new checking account. 

During the process of making my initial deposit of {$15000.00}, I contacted Citibank customer service to be provided the proper routing number for a bank-to-bank transfer because I couldn't find it online. I was provided one and used it for a funds transfer but the funds were never delivered. After realizing the transaction had failed I immediately called Citibank customer service again. Upon further inquiry it was determined that I was provided the wrong routing number. This call took place around the 30 day initial deposit requirement and so I was concerned my funds would not be deposited within the 30 day window. During this call I was provided the correct routing number and assured by the customer service representative that I'd remain eligible for the promotion, even if my initial deposit did not meet the 30 day window, due to the fact that I was provided the incorrect routing number causing my deposit to be delayed by many days. 

With the correct information I completed my initial deposit on XX/XX/XXXX and maintained that deposit until XX/XX/XXXX, which was greater than XXXX calendar days. I also had XXXX qualifying direct deposit post in XXXX ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ). The attached statements document these transactions, which met the remaining requirements of the promotion. 

Around midXXXX I contacted Citibank to confirm that I had met the terms of the promotion and ask when I was to receive my promotion. During a series of calls and after an investigation it was determined that " my account does not qualify for this promotion because the required amount of deposit was not made within the stated timeframe ''. This conclusion was reached despite the fact that I was told by a Citibank customer service representative in XX/XX/XXXX that I would remain eligible for the promotion as a result of their mistake that resulted in my delayed initial deposit. This was also reached despite the fact that I continued to meet the remaining promotion requirements in good faith despite the error on Citibank 's part.

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 2018-02-24
Company: TD BANK US HOLDING COMPANY
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Nordstrom lied to me, the CFPB ( ref Complaint Number XXXX ) and the Kansas Attorney General in order to conceal a fraudulent conspiracy resulting in a {$10000.00} taking from XXXX XXXX, an innocent 3rd party, by knowingly issuing a fraudulent XXXX. 

Additionally, Nordstrom 's maintains " The notes confirm that in XXXX of 2007, XXXX XXXX requested to take over ownership of the account. '' No reasonable person would have " faxed '' a request to assume a {$33000.00} debt, especially from their ex-wife. No law abiding bank would accept such a fax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Today on XX/XX/2018 at XXXX XXXX, I received a call from XXXX. On phone was an agent named XXXX who didn't provide his last name but mentioned that he is calling from " Card Services '' and upon insisting to provide more details he used names Capital One and XXXX XXXX XXXX. 

The call started with a recorded message which had verbiage such as " this is your last and final call '' and " if I didn't take action ''. Before I have put my number on " Do not call '' Registry but despite that I keep receiving calls starting with area codes XXXX. 

When I asked XXXX to provide me for his office address, he asked me if I wanted to send my wife to him and then he started to talking in abusive language including using f ** and b**** words. 

I do not tolerate any such advertisements especially those involving abusive and insulting language. I asking CFBP to not only take actions against such abuse. These kind of abusive behavior has hurt my mental status when I am busy working at my desk. I can't stand such and am ready to take whatever legal actions needed to fight against such hostile advertising.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from 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 2018-07-06
Company: DISCOVER BANK
State: NJ
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:
XX/XX/2018 XXXX XXXX XXXX reported unrecognized hard inquiry on my XXXX   credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Hi, I have an issue with my bank again. This time will be the last because Im going to close bank account with Bank of America. I again have been charged overdraft fee of {$35.00} for scheduled payment of {$27.00} to my XXXX credit card. The payment was scheduled for XX/XX/XXXX ( when I had plenty of money on my account to cover this payment ) and they withdrew overdraft fee today XX/XX/XXXX. In the past Bank of America could charge me overdraft fee because on the day of scheduled payment I didnt have enough money to make scheduled payment even if I deposit money next day after scheduled payment and the payment would be withdrawn the day when I have enough money Bank of America still was charging me fee. So the explanation they had is that they dont care the day you scheduled you had not enough funds so doesnt matter that you deposited after and the day payment if withdrawn there was funds enough to cover payment. That was their principle. Now theyre trying to go opposite and convince me that doesnt matter that I had enough funds when I scheduled payment. Once my balance became negative ( yesterday ), negative few cents, not even one dollar, thats the moment they cought to charge me overdraft fee of {$35.00} that is bigger that a payment of {$27.00}. Its ridiculous. Of course I called and tried to solve it but respond is very tough and not helpful in any way. They are trained very well not to help with overdraft fee. I absolutely sure that this time Im changing my bank. They charge me {$25.00} every month for maintenance if I dont have XXXX but there are other banks that dont require this much to maintain my account with no fee charge so its already enough for me to be not very happy. But with this overdraft fee with and without good reasons Im more than fed up

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 2018-09-05
Company: Dynamic Recovery Solutions, LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This company has repeated called my phone. When I spoke to them, the gentleman gave information that was false. He mentioned accounts that I do not have and then mentioned I have products that I never have had. I explained to him the information was inaccurate and that he has not provided me anything that I recognize. He then gets loud with me and yells " stop stealing! Stop defrauding people! '' This is a false claim and slanderous. Terrible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-06
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 information incorrect

Complaint:
On XX/XX/2015 an account was open to cfraudulently. with a balance of {$1500.00} I have made attempts to contact them of this matter to only be referred to a collection agency XXXX XXXX in which they have sold the account to followed by ( writing off as a bad debt ) i notified XXXX XXXX  and XXXX XXXX XXXX XXXX that this is not my account. this collection harmfully effects my credit score. the account number where this debt can be found for XXXX XXXX is XXXX  account number with XXXX XXXX XXXX XXXX  Unknown. a letter was sent to both companies followed by the police report attached for Deceptive practice

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 2018-06-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I tried to tell my boa agent, it was a fraud transaction. And I want to cancel the transaction and get the money back to my account. But they will not do that bed it was through XXXX. Someone need to catch those scammers and get the money back to their rightful owner

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