BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/19, I went into a Bank of America branch to make a {$300.00} cash payment on my credit card at the teller window. I was intercepted by a banker who made me do the transaction at an ATM, even though I was not comfortable depositing cash there. With the banker as a witness to the entire transaction, the ATM ate my money and spit out a receipt that said the request couldn't be processed and my items could not be returned to me. The banker escorted me to a phone, where she placed a call to the claims department and filed a claim on my behalf. At that time, I was told the bank had up to 10 days to resolve the claim. The bank then kept extending their deadline for resolution. It appears that any time someone checked the status of the claim, they closed the claim and restarted the clock on it as a new claim. After multiple visits to the branch, there was no resolution, so I tweeted at the bank on XX/XX/19. One of the bank 's social media reps called me to follow up, and I shared the entire story with her. She said she'd look into and get back to me. When she called me on XX/XX/19, she reported that the bank had investigated and my claim was being denied. She said the investigation found no overage of cash in the ATM that day, and then she claimed that the bank had security footage of me getting the money back and that the bank employee who'd helped me file the claim said I'd received the money. It is impossible for this security footage to exist, because I NEVER got the money back. I asked to see the security footage, and the woman told me that she could not provide it.

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: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
JC Penny continues to furnish unauthorized inquires on credit file dated XX/XX/2018. Made several attempts to resolve with JC Penny and company failed to comply according to FCRA Guidelines.

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: BB&T CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I went to a restaurant XXXX, they charged my debit card twice once for XXXX and again right after for XXXX. That XXXX over drew my account and the bank charged me almost XXXX dollars worth of fees. They told me to wait til the charge drops off cause it was pending and they would get those fees taken off. They aRe now saying they can only do half of those charges back to me. This is ridiculous my account wouldn't be over drawn if it wasnt for a charge I didnt do and their fees. I should get all of those fees back and a chance to bring the balance positive before I'm charged.

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 2018-02-03
Company: Bridgecrest Acceptance Corporation
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Complaint against XXXX Credit Reporting Agency. They show loan ending XXXX in my name active in Chapter XXXX Bankruptcy. This information is destroying my credit score and report. I have contacted XXXX and have had no success in getting this error removed. The Chapter XXXX Bankruptcy in XXXX XXXX XXXX XXXX name. The court will provide proof that I am not in bankruptcy in anyway whatsoever. This error has been reported since XX/XX/2013. Ironically XXXX and XXXX are not showing any derogatory information on this account.

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 2020-08-29
Company: Santander Consumer USA Holdings Inc.
State: WA
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:
Chrysler Capitol decided to turn off the autopay on my lease for the last month which caused my lease payment to go late. After three years of auto payment with no distinct warning it was changed. I paid it immediately on late notification from my credit monitoring - no late information ( call/email ) from Chrysler. The company has removed the late fee for my account but refuses to remove the reporting to the credit bureau which is incorrect. Please correct my credit score as the late fee was acknowledged by Chrysler as incorrect and was waved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Transunion is refusing to block fraudulent tradelines appearing on my credit report in violation if FCRA 605 ( b ). I have sent the required documents as described in the aforementioned law, Transunion has no evidence  to refuse a block under said law, and and it has been longer than the 4 day time-frame in which a block is required to be implemented by law. Transunion is now in willful noncompliance with the FCRA, and is subject to the penalties described in 15 U.S.C. 1681n. 

It is shocking and appalling that a supposed reputable company operating within the United States would conduct itself in an overtly illegal manner as if it were not bound by federal law. Transunion must block the fraudulent accounts that appear on my credit report lest they wish to face a lawsuit.

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 2021-11-03
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA
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:
Wakefield and Associates is in violating HIPPA right by reporting a debt by XXXX XXXX. I went to the doctor for a very personal matter and I do not appreciate ever person/company that looks at my credit report to know about my visit to the Hospital. It is very humiliating and embarrassing. I am prepared to take legal action against Wakefield and Associates for causing me emotional distress and violating my rights. At this point it's not the measly {$730.00} it's about the fact that they are displaying my personal health for the world to see.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: Freedom Mortgage Company
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I applied for a Refinance/Cash-Out Mortgage Loan with Freedom Mortgage Corporation, XXXX XXXX XXXX XXXX XXXX . XXXX, XXXX XXXX, NJ ( XXXX ID : XXXX ) XXXX-XXXX in the amount of {$75000.00}. I was approved and Closed on XX/XX/XXXX. My payments were to start XX/XX/XXXX! 
In the meantime, I paid Freedom Mortgage on XX/XX/XXXX an ACH Withdrawal in the amount of {$860.00} for my XX/XX/XXXX Mortgage Payment. {$90.00} was the Applied Principal Payment in that amount! On XX/XX/XXXX I also paid by check {$2100.00} Additional Applied Principal Payment Only on my loan. A total of {$2200.00} was given Freedom Mortgage for Principal Payments! My New Principal Balance was brought down to {$72000.00}. However, no sooner could the ink dry and not being properly informed that my loan had been transferred on XX/XX/XXXX to XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, OH XXXX and my 1st Mortgage payment was Due On XX/XX/XXXX! I was livid however, I then paid XXXX on XX/XX/XXXX a check in the amount {$860.00} for the XX/XX/XXXX New Mortgage Payment which caused a " DOUBLE '' XX/XX/XXXX payment! In the meantime, Freedom Mortgage transferred the Wrong Money Amount of {$75000.00} to XXXX XXXX XXXX XXXX as the New Loan Setup Amount instead of {$72000.00}. The Applied Principal Payment Amounts were not applied to my New XXXX Account! There are recorded phone calls to Freedom Mortgage Corporation and XXXX XXXX XXXX, XXXX. ( XX/XX/XXXX thru XX/XX/XXXX ). I have been having difficulty communicating with LOAN SERVICERS from Freedom Mortgage and XXXX XXXX XXXX to this date! When able to speak with these Servicers, the information I received was often confusing and did not provide the clarifications I was hoping for. It has now been ( 3 ) months and these customer service issues has led to delays in obtaining needed resolutions for my mortgage loan. I filed a complaint with the XXXX on XX/XX/XXXX ID # XXXX. Please help me bring this matter to closure expeditiously! 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 2018-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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/2018, XXXX XXXX has notified me that a hard inquiry has appeared on my account, which was not approved by me. I believe someone must have gotten my Social Security Number from the XXXX  hack and is trying to get a phone in my name. I have tried to contact XXXX XXXX XXXX to get the inquiry removed but keep running into brick walls -- website not allowing me to progress and confusing questions XXXX XXXX XXXX keeps asking me that do not help me resolve my issue. 

I didn't know what else to try so I went ahead and froze all my credit reports on XXXX, Transunion, and XXXX ; however, I don't think the Transunion freeze worked correctly because it keeps giving me an error that it can't confirm my identity. It is odd how XXXX and XXXX have found my files without any trouble but Transunion has not. 

I have not worked yet, so I have no employment history, credit score, or credit card accounts with any bank. I only have two accounts in my name that I opened myself for attending college.

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 2021-10-07
Company: EQUIFAX, INC.
State: PA
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:
To whom it may concern, I have never been associated with collection account XXXX XXXX or their utility company in question. This account must be removed from my credit report immediately. I will file a lawsuit against all parties involved if this collection remains on my credit report for longer than the time allowed for you to look into this as legislated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We are writing to request the information described below in regard to the mortgage on my property at, XXXX XXXX XXXX XXXX XXXX, Il XXXX. 

PLEASE PRODUCE ANY and ALL DOCUMENTS that evidence YOU acquired ownership of the SUBJECT LOAN when Washington Mutual Bank, XXXX, IL failed. 
PLEASE PRODUCE ANY and ALL DOCUMENTS that evidence ownership of SPECIFIC SUBJECT LOAN was sold as part of certain assets acquired by JPMorgan Chase Bank, N.A. on XX/XX/XXXX. 

PLEASE PRODUCE ANY and ALL DOCUMENTS that evidence servicing rights for the SPECIFIC SUBJECT LOAN was sold as part of certain assets acquired by JPMorgan Chase Bank, N.A. on XX/XX/XXXX. 

PLEASE PRODUCE ANY and ALL DOCUMENTS that evidence the SUBJECT LOAN appeared on the financial statement ( s ) WASHINGTON MUTUAL BANK, XXXX, IL, between XX/XX/XXXX to XX/XX/XXXX. 

PLEASE PRODUCE ANY and ALL DOCUMENTS that evidence the PURCHASE & ASSUMPTION AGREEMENT between the FDIC-R and JPMorgan Chase Bank, N.A. included assets of WaMu XXXX XXXX XXXX. 

PLEASE PRODUCE the guidelines as established by YOU as to when and how JPMorgan Chase Bank, N.A. could, by power of attorney, transfer any ownership interest in the SUBJECT LOAN, SUBJECT NOTE, or SUBJECT DEED OF TRUST. 

PLEASE PRODUCE the power of attorney issued by YOU to JPMorgan Chase Bank, N.A. specific to the SUBJECT LOAN, SUBJECT NOTE or SUBJECT DEED OF TRUST.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: Green & Sons Agency, Inc.
State: UT
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:
Outsource Receivables # XXXX is reporting a collection on my account that does not belong to me. I have not gone to any medical recently and not during the time that this is reporting, nor did I get anything sent to me indicating this could be mine. I do not owe this debt, the collection is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mom died in 2015 and still owed on her mortgage. I tried several times over the last 2 years to get SPS to work with me so that we did not lose the house. My mom did not leave a will and we could not afford to go through probate and even though I had power of attorney when she was alive they refused to even speak to me about the home loan. I do not want to lose my moms house as this is the only tie we have left to her and we are willing to start making payments if the company would just speak to me about it. Im stressing because I do not know what to do and this company will not give me any information. I filled out the loan modification paperwork they asked me to and never heard back from them. We had a realtor contact them to see about purchasing the house because my brother was approved for a {$120000.00} home loan and they would n't speak to us or reply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
The chronology of my issues with Hyundai Motor Finance are as follows : XX/XX/20 sent a pay-off check for my vehicle via Next Day Mail XX/XX/20 the check was cashed XX/XX/20 made the first inquiry as to the status of my Vehicle Title and was told that is was an Electronic Title that needed to be transmitted to California XXXX but that had yet to occur. A commitment was made that the Title Dept would be notified and my document would be expedited. 
XX/XX/20 followed up on the title status and was told exactly what I was told a week prior. The document had still not been transferred. I requested a supervisor. For a third time the supervisor gave the same response. the Title Dept will be notified to expedite your document I was also advised by the supervisor that she could only communicate with the Title Dept via email and it would take five days to get back a response! 
Recapping, a customer has called three times for help getting their title document and the Customer Service Representatives who are there to help can only communicate via email with another Dept. who then takes 5 days to get back with an answer. Meanwhile, I cant sell my vehicle without a title and I have to continue to pay insurance on it. 
This is undoubtedly the worst Customer Service organization I have ever had the displeasure of being involved with.

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: Experian Information Solutions Inc.
State: UT
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 is reporting a collection on my account that does not belong to me. I have not gone to any medical recently and not during the time that this is reporting, nor did I get anything sent to me indicating this could be mine. I do not owe this debt, the collection is not mine.

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 2020-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
After Reviewing my Credit Reports, I noticed that there is a Public Record Bankruptcy on my Credit Report. XXXX  and Trans-union have not verified Accuracy of Bankruptcy on my credit report. I disputed these item on my report with XXXX  and Trans-union but they have not remove public record Bankruptcy. Im not able to get approved for any new line of credit because of this. XXXX  and Trans Union are violating Fair Credit reporting act. The Bankruptcy reporting on my credit report has an address where I do not live. I disputed these items multiple times but they have not removed item. I contacted the Federal US BankRuptcy courts which they advised that they do not report to the credit bureaus. They do not disclose anyone Social Security or Date of Birth to credit bureaus. The Credit bureaus are in complete violation of Fair Credit Reporting Act.

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 2020-05-14
Company: R.A.Rogers, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The following company RA Rogers INC Collection Consultants has placed there name on my XXXX credit report in attempt to collect a debt that was accumulated as a result of identity theft. The original creditor XXXX XXXX XXXX XXXX was notified of this incident on XX/XX/2019 and have remove there name from all three credit reporting agencies XXXX, XXXX, and XXXX after receiving identity theft report back in 2019. I have included a copy of the identity theft report I sent to XXXX XXXX XXXX XXXX with this complaint. RA Rogers INC Collection Consultants had no right to place there company name on my credit report. I DO NOT OWE THEM ANY FINANCIAL OBLIGATIONS nor do I owe the original creditor XXXX XXXX XXXX XXXX whom they are trying to collect. Failure to remove there name from my credit reports upon receiving this complaint will result in small claims legal action against RA Rogers Inc Collection Consultants. I will be seeking a minimum of {$5.00}, 000 in damages for : Defamation, Negligent Enablement of Identity Fraud, and Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
I am active duty XXXX and while in boot camp was given forms to fill out for a checking, savings, and certificate of deposit ( easy-start certificate ) from Navy Federal Credit Union. I was not aware until after that I also signed to apply for a XXXX XXXX credit card and an XXXX XXXX Checking Line of Credit ( XXXXCLOC ). On this pay cycle, I made my transfers on my online banking, knowing I was getting paid that night. Per my meeting with a financial counselor, when my transfers posted, the Navy Fed systems didn't think I had enough money so it moved funds from my XXXXCLOC to checking, and then put my paycheck to full pay the XXXXCLOC, with the extra funds going to my checking. The problem is that I never knew I had the XXXXCLOC until this happened, and I don't want my entire paychecks going to pay something I didn't want to begin with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: HW Holding, Inc
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As a federally protected Consumer, I am here to contest any purported claims you are now reporting on my credit record as consumer debts.

In accordance with the Fair Debt Collection Practices Act, 15 U.S.C. 1692g Section 809 ( 8 ), the Consumer is requesting verification from you ( FDCPA ).

Company response to consumer: Closed with explanation