BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-02
Company: FIRST MIDWEST BANCORP, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts don't belong to me. Please remove them form all XXXX credit reporting agencies. please see below the list of accounts that are reporting derogatory on all XXXX credit reporting agencies : 1. Identity Theft FST MDWST BK Account Number : XXXX This is not mine. 

2. Identity Theft FMXXXX Account XXXX : XXXX This is not mine. 

3. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX CRED Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

7. Identity Theft XXXX  XXXX Account XXXX : XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX BNK Account XXXX : XXXX This 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 explanation
Consumer complaint received 2021-09-23
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX-my account was froze and I was instructed by a customer service specialist to go into branch to complete a SSA89 form. I went into the branch to do so and the branch manager told me he did not know why I was instructed to do so my account was being closed and I could not access my money, then I was instructed to go to another branch on Monday XX/XX/XXXX ( I spoke with at least 3 customer service specialists ) XX/XX/XXXX-I went to another branch completed a SSA89 form as instructed and was told my account would be unfroze on XX/XX/XXXX XX/XX/XXXX-My account is still froze and I was told I did not need to complete the friendship it was required for my spouse who already completed the form when added to account on XX/XX/XXXX. I was instructed by 2 supervisors that I could remove my spouse from account, went to branch they said he needed to remove himself, he tried to remove himself just for them to say they couldnt remove him because the account is restricted. They waited until XX/XX/XXXX release my earned wages which I still couldnt access and then they decided to do an override to withdraw my funds from my account. Then I was instructed to open a new bank account because they can not remove my spouse from account. 

XX/XX/XXXX-My account has a XXXX balance although my child support payment should have cleared as of today XX/XX/XXXX as an EFT was sent to checking account on XX/XX/XXXX The whole process with Chase Bank has been a nightmare . Ive had my account with them since XX/XX/XXXX and I have never went through this with any bank I have ever held. They should not be able to give out false information and their employees are clearly not trained properly! Everyone I spoke with have all said different things and this experience has put a lot of stress on myself as well as my XXXX children.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Next Level Finance Partners  LLC
State: MI
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Equifax shows  XXXX  open disputes for the same item  XXXX   XXXX  's creditor ). I disputed the balance and credit limit online however when I tried to attach documents and error message appeared. So, I called and was told to fax the documents. I faxed the documents  X/XX/17    and the  XXXX  information was updated on  X/XX/17   . HOWEVER, they did not close the original dispute. Even though I 've explained it is now correct thanks to them. One rep told me the online system actually did accept my docs even though an error message popped up and that when I faxed the docs their system automatically created a  XXXX  dispute. They refuse to close these disputes which have already been processed and corrected and seem to be reading a script that says I " have to wait until the  30-45 d ay period is over before the disputes are removed. '' As of today diputes #  XXXX  & #  XXXX  are both open and need to be closed immediately as I am trying to obtain a mortgage and these open items are blocking anyone from running my credit reports. In addition, I submitted paperwork via fax to remove an erroneous Tax  Lien  and they said they 're not sure that " released as erroneous '' means that they should remove the lien but instead it might mean that the issuing creditor should never have listed it as released so they are leaving it on my report. They did not read the rest of the letter from the creditor which states that " the above liens were ISSUED IN ERROR. '' Not sure how anyone can mistake that erroneous means it was an error. Thank you! : - (

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: SYNCHRONY FINANCIAL
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was contacted several times by XXXX XXXX XXXX about a credit card debt. They repeatedly called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I did not provide them with my current telephone number and do n't know how they retrieved it. They are harassing me to take me to court or other legal action if I do not pay them. The balance they are claiming I owe is {$930.00} for a Amazon credit card. The initial credit amount was {$600.00} and they are charging me extra. I called and spoke with someone on Monday XX/XX/XXXX. I tried to setup a payment arrangement for the {$600.00} but they would not remove the extra charges. I was only given an option to pay the balance in 2 payments and nothing else or I would be sued. They also sent a letter to an address I did n't provide them with. It is not even someone I 'm related to where they sent the letter.

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 2022-08-26
Company: SYNCHRONY FINANCIAL
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Initiated a wire transfer Wednesday afternoon XX/XX/24. Was told wire transfers are behind and allow XXXX XXXX hrs. Now nearly XXXX hours and no transfer and now being told this may take till the XXXX. Whats th epoint of a wire transfer?? Could have done a regular transfer and it would alreday be in my 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 monetary relief
Consumer complaint received 2022-08-26
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX XXXX 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 account without my written instructions 15 U.S.C 1668B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2017-04-19
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Hello, I have an auto loan # :  XXXX  with  Fifth Third Bank ( 53.com. )  On  XXXX   XXXX  I realized by checking my account on line that on  XXXX   XXXX  this lender added  XXXX  charges of {$840.00} each, this as they stated was for the insurance coverage, which according to them I never had. This is the second time that this bank did the same to me ; the previous time was on  XXXX   XXXX .   On Monday  XXXX   XXXX   XXXX , I calle d Fifth Third Ban k loan department and they informed me they do hire a company that check insurances on cars called,   XXXX   XXXX    XXXX   XXXX   XXXX . When I called  XXXX   XXXX  to number  XXXX  a representative from this institution name  XXXX  told me that she was not fully sure that they had enough information about my insurance situation, but when they are in doubt they just informed that to lenders, since proof of insurance can not be proofed they assumed the car does not have insurance, then in this situation they had to report it  to Fifth Third Ba nk. This is an unfair way of doing business because affects consumers.   Last year on  XXXX   XXXX  when this same issue happened I updated my home address, and today  XXXX   XXXX  when I talked to Representative  XXXX   XXXX  from the loan department, she stated that still the database shows my old address and that never got updated. Due to this issue the letter requesting proof of insurance this year was never sent to the right address, therefore I got never informed of such request. This bank is engaging in unfair practices in prejudice to consumers. Also the agreement I signed with the dealership has different rate and at the time I am paying 0.14 % more.    XXXX   XXXX   XXXX , I emailed my proof of insurance to representative  XXXX   XXXX  to email :  XXXX  XXXX  XXXX , also expressed my concern about the rate difference, she stated that when my email is received do not expect a response because it may take some time to do research.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-26
Company: TEXAS CAPITAL BANCSHARES, INC.
State: TN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I utilize a high yield online savings account with XXXXXXXX XXXX XXXX XXXXXXXX, Texas ( division of Texas Capital Bank, N.A. ). I've been blocked from accessing funds in my account for several days without explanation. 

First, I attempted to transfer funds electronically from XXXX to a linked XXXX XXXX account in my name, and noticed the request was placed 'on hold ' for an unspecified reason. 

Next, I attempted to log onto my XXXX account and received an error message that my account was disabled. 

After repeated calls to the company ( which involve 40 minute wait times to speak to a representative ) I was told that the fraud team was reviewing my account for unspecified reasons and had frozen it to prevent unauthorized transactions. Pressing for more specifics, I was told by customer support that they don't know the reason. 

Asking to speak to a supervisor to obtain the specific reason that fraud is suspected, and a justification for my account being frozen, I was told they were unavailable and must wait for a callback. 

I have still not received a single communication from XXXX to explain why my account has been disabled. The value of this account is approximately {$240000.00} USD.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In late XX/XX/XXXX, I applied for a loan assumption/modification on my late husband 's mortgage. 
I submitted all necessary documents. XX/XX/XXXX - was told by servicer that application + supporting docs were complete and under review. XX/XX/XXXX - was informed that application was denied because it was incomplete. XX/XX/XXXX and XX/XX/XXXX, I reapplied again. On XX/XX/XXXX and again on XX/XX/XXXX ; I was told the application was denied for incompleteness. 
In each submission, I have confirmation that they have received what was requested. I finally was forced to file a civil complaint in XXXX Superior Court ( XXXX ) on XX/XX/XXXX, to address this. 
The Service is still moving forward with the foreclosure sale on Monday, XX/XX/XXXX and has, to date, refused to extend any assistance.

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 2022-08-26
Company: Bread Financial Holdings, Inc.
State: MI
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:
In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/22 I discovered there was fraud done on my citizens bank account. I immediately called and filed a claim and was told to go to the bank. when I arrived teller had no clue what protocol to take. could not access online banking so called. Was told to go to branch to unlock funds bank tells me I have to call while in branch but system was. More run around call again they say if money not return within 8 days call been 8 days no answers havent heard anything from the bank no apologies no credit nothing. Worst banking experience ever.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-17
Company: Credit Counsel, Inc.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX I went to my mail box and retrieved my mail for my taxes I opened one letter with only a address that reads in large print Credit counsel It starts with " I see you chose to ignore your obligation! '' Then goes on to say I owe XXXX XXXX XXXX XXXX {$960.00} To which I email Credit Counsel in XXXX XXXX Florida explaining in detail the only connection with said medical company is due to workman 's comp back in XXXX of XXXX And that I have All of the documents proving it paid as the insurance company They threaten legal action in the letter 10 days after receiving their letter There is no documentation as to the physician treatment if the visit is in the med check or hospital I also shared a documented truth of Identity theft from XXXX XXXX g.m. of XXXX in XXXX XXXX who proved last XXXX on the XXXX an ex employee of their company used ALL of my identity working 3 years XXXX XXXX and 2 at another store leaving on very bad terms. XXXX shares that this is why I am not getting hired and for my bankruptcy XXXX So I have an ill feeling of all this and need your help in the matter.

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 2017-08-30
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I have a XXXX XXXX XXXX XXXX Credit Card by Barclays Bank. One of the advertised benefits on the card is a Price Protection benefit according to which if the price on an item I purchased using my credit card drops after the purchase they will reimburse me the difference. https : //www.barclaycardus.comXXXX details all the benefits including the Price Protection benefit ( I got this link after logging into my credit card account so this is for my credit card and not generic information ). I called the number listed on the website to file a claim for Price Protection where they mentioned that my card does not have the Price Protection benefit. I called Barclays customer service with this information and they verified that the card does have the benefit and transferred me over to the claims department again to file the claim where they again denied the benefit. This ping pong back and forth between these 2 departments happened several times starting on XX/XX/XXXX and continued into XX/XX/XXXX where me and my wife collectively spent greater than 4-5 hours on this. On XX/XX/XXXX after much effort I was able to get XXXX customer service and the claims department on a conference line so they can work out the confusion between themselves ( you 'd imagine they should be doing this without me facilitating this ). They took a paper claim and mentioned that they will review the confusion with the management of the claims department to figure out what 's going on here and get back to me by end of day XX/XX/XXXX. That did not happen and I called the claims department for a follow up to that on XX/XX/XXXX and they went through the same ping pong game again asking for all information, refusing to connect me to their management and flat off denying that my card has any such benefit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX CARD is recorded as both hard and soft inquiries on XX/XX/2018 ; yet sometime that month and year XXXX ( XXXX ) called me and asked if I applied for an XXXX XXXX on that date. I told them no I didn't and left it at that because I wasn't sure if it was in fact XXXX XXXX since I get quite a few scam calls. I said nothing more and hung 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 2022-08-26
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I would like to report the consistent wrong date entries for payment receipts and misleading multiple false entries of late fees on my account by Specialized Loan Servicing ( SLS ). 

My account on SLS account shows the last payment received on XX/XX/XXXX. My bank statement ( attached ) proves the money was deducted from my bank on XX/XX/XXXX and attached SLS document shows the money was transferred to SLS on XX/XX/XXXX. 

There should be no more transactions after XX/XX/XXXX and there should not be any late fees of {$15.00} or {$130.00} as it shows on my account. 
( See attached documents, '' SLSacknowledgementOfReceipt '' there are 20 transaction entries by SLS, and the SLS representative is confused acknowledging what is the status of money I sent from my bank to SLS on XX/XX/XXXX ) I called on XX/XX/XXXX and was told my XXXX payment was XXXX. Checking online, it showed {$2700.00} and an additional amount of {$200.00} as late payment. 
I sent a check ( USPS-return receipt ) for the total amount of {$2900.00}. ( to ask about the {$200.00} late fee later ). 
3 days later I called SLS to confirm the receipt of the check and I was told I sent the check to the wrong address, to SLS document center address, and it would not be posted on-time, or will be sent back to me. 
I was told to send the check directly from my bank account, and stop the other check, just to be sure there would not be a double mortgage amount posting for XX/XX/XXXX. 
I did exactly that. I stopped the check and sent money as it showed on the SLS website, in two different amount. One was for {$200.00} and the other was for {$2700.00}.

Today I found various wrong posting on my account with various {$15.00} and a {$130.00} late fee, where there should not be any late fee. The mortgage cleared my bank account on XX/XX/XXXX for XX/XX/XXXX period.

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