BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-28
Company: Synovus Bank
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Two problems. First : I paid off my home mortgage with Synovus Bank on XX/XX/2021. I contacted Synovus the following week to ascertain when my funds remaining in escrow ( for property taxes and insurance ) with Synovus would be refunded to me. I emailed back and forth with a woman named XXXX at Synovus who told me the banks policy is to refund escrowed monies 22 business days after the loan is paid off. 22 business days is far too long for Synovus to hold my monies, but the bank would not agree to do it sooner. 

Second and main problem : I finally received a check from Synovus for the above funds on XX/XX/XXXX and, using my mobile banking app, deposited same in my XXXX XXXX Bank checking account. On XX/XX/XXXX I received notification from XXXX XXXX via text and email that they had placed a hold on this deposit and deducted the full amount from my checking account. I immediately contacted XXXX XXXX to determine what the problem was. I spoke via phone with XXXX who told me XXXX XXXX was not able to verify availability of funds with Synovus and therefore we put a hold on the deposit. 

I then called Synovus and spoke with XXXX who, after looking at the Synovus account the check was drawn on, told me there were no issues with the account and no reason for XXXX XXXX to hold the deposit. 

I called XXXX XXXX back on XX/XX/XXXX speaking with XXXX and then XXXX in the Client Advocacy Dept. who told me XXXX XXXX had received notification from Synovus that there had been suspicious and/or fraudulent activity in the Synovus account the check was drawn on and thats why XXXX XXXX put a hold on the deposit. 

I promptly called Synovus back, spoke with XXXX again and relayed the information regarding the Synovus account given to me by XXXX XXXX. XXXX said she would check with her Payments Dept. about this and call me back. She called me back after checking with her Payments Dept. And said there were no problems on Synovus end and that XXXX XXXX should have no issues with clearing my deposit. XXXX also told me I could take the check to any Synovus branch and they would cash it. Unfortunately, there are no Synovus branches anywhere close to where I live. 

Frankly, I dont know whats going on between Synovus and XXXX XXXX XXXX I feel like Im caught in the middle of something I cant fix. Please help me get my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Chase XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX On XX/XX/XXXX, we sent an authorization to Chase in order to begin the process of a short sale. Both borrowers were XXXX, however there is a Successor Trustee, XXXX XXXX XXXX, named on title and duly recorded. XXXX XXXX signed the authorization for us to speak on the account, and we submitted the authorization, the Recorded Affidavit of XXXX of Trustee ( borrower XXXX XXXX ), and a copy of the XXXX Certificate for XXXX XXXX. ( ( Prior to all of this, XXXX called Chase to see what their options were regarding this property and was told that she may surrender the property to Chase. Chase sent her surrender documents and told her to take them to the county to record it. She did not do that, as she felt there was a more appropriate way to handle the disposition of the property. -- - This shows that Chase did acknowledge XXXX XXXX as the authorized third party otherwise how could they give her the ability to legally surrender the property? ) ) On XX/XX/XXXX, we contacted Chase and were told that XXXX XXXX was not authorized on the account and therefore could not authorize us. ( Chase claims someone else is authorized - the other daughter ) I pointed out that we faxed, along with the authorization, the Affidavit of XXXX naming her ( XXXX ) as Successor Trustee, and the Affidavit of XXXX of Trustee ( Borrower XXXX XXXX ). The rep acknowledged receipt of those documents however still refused to discuss anything with me, or transfer me to a supervisor to discuss it further. Chase has taken it upon themselves to authorize someone else on this account, who is NOT the Successor Trustee, and therefore has no legal authority to speak on the file.
Additionally, Chase has taken it upon themselves to DENY the Successor Trustee the authority to speak on the account, or to liquidate it as she sees fit. *****CHASE DOES NOT GET TO DETERMINE WHO DOES OR DOES NOT HAVE LEGAL AUTHORITY TO SPEAK ON AN ACCOUNT****** Chase CAN NOT have it both ways. Either she ( XXXX ) is authorized and is allowed to receive and record a surrender, or she is not and they violated the law by sending her the surrender document. Chase does not get to decide who the trustee is AND THEY CERTAINLY SHOULD NOT BE TAKING DIRECTION FROM SOMEONE THAT HAS NO LEGAL AUTHORITY TO SPEAK ON THE ACCOUNT. We have attached a copy of the title report, the XXXX borrowers Trust Docs naming XXXX XXXX XXXX as Successor Trustee, the recorded Affidavit of XXXX of Trustee naming XXXX XXXX XXXX as Successor Trustee, the document from the Federal Government ( IRS ) issuing an EIN number and naming XXXX XXXX XXXX as the trustee, and the XXXX Certificates for both borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX Balance : {$8100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2022-06-14
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There are several accounts only reportimh to Equifax that are inaccurate. Ive contacted Equifax on several occasions but theyve failed to resolve this issue. Im in the process of purchasing a home and my debt to income ratio is higher than it realistically is due to this error. Im trying to have this resolved immediately. The accounts and their balances are listed below. 

XXXX XXXX XXXX  XXXX reporting balance of {$5500.00} & its been paid off since 2020. 

XXXX XXXX reporting {$30000.00} & thats incorrect because it should be showing a balance of 0. 

XXXX XXXX reporting {$36000.00} & thats incorrect because that account should have a {$0.00} balance as well. 

XXXX XXXX card showing {$900.00} & thats inaccurate also.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: WV
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Experian Information Solutions Inc.
State: TX
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:
Experian, Has Fail To Remove An Fraudulently Reporting Account ( Southwestern Recovery ). 
FTC Report Was Provided, Experian Stated Report + Police Report Was Misrepresented. 
Contact Creditor To Advise Of Fraud Account And They Stated To Contact Credit Bureau. 

XXXX, Has Also Fail To Update Report For Fraudulently Reporting Account ( Southwestern Recovery ) As Of XXXX But Fraud Team Stated Request Was Update For Removal Last XX/XX/2022. 

XXXX, XXXX, Experian Has ALL Fail To Report Accuracies Of Creditor XXXX XXXX. 
XXXX, XXXX Reporting 30 Day Marking XXXX XXXX  - Payment Status Shows Payment Made Deferment/Extension Was Granted On Account Prior ; Supposedly 2 Extension That Cover Prior Month, So Payment Was Applied In Due Time. After Dispute + Documentation Was Provided. 

Experian, Has Fail To Update Creditor ( XXXX XXXX  ) Account Reporting After Dispute XXXX XXXX, Deleted XX/XX/2022, Added XX/XX/2022. XXXX Pmt Is NOT Due To Report Past Due Yet. Possible System Auto Error.

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 2021-01-31
Company: OneMain Finance Corporation
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX, XXXX, ONEMAIN add a hard inquiry on my credit reports. 
On XX/XX/XXXX, XXXX BANK XXXX. add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: First Technology Federal Credit Union
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
" First Tech Credit Union '' is running a scam operation where they charge people for inactivity but make it impossible to close the account.How are they allowed to keep this fraud going? 

I have received communications from " First Tech Credit Union '' that due to inactivity in my account they will charge me fees. 

I have been living in Virginia for over 6 years and there are no branches in the state - which is why the account has been inactive. 

I have made multiple attempts to call ( as I can not physically get to a branch ) to close the accounts. 

Just today, I made 3 attempts and was put on hold for 16, 22 and then 27 minutes on hold but had to drop the call because there are other things i need in my everyday life and can not stay on hold forever.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: EQUIFAX, INC.
State: NV
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:
CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Account ( s ) Original Creditor : Orthopedic Physician Associate Collections : Audit and Adjust Opened : XX/XX/2021 Amount : {$520.00} Original Creditor : XXXX XXXX XXXX XXXX Collections : XXXX XXXX XXXX Opened : XX/XX/2021 Amount : {$26.00} Original Creditor : XXXX XXXX XXXX  NA Collections : NA Opened : XXXX XXXX Amount : {$0.00} Charge-Off

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: Experian Information Solutions Inc.
State: TX
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:
On XX/XX/XXXX, I, XXXX XXXX XXXX XXXX created an account with Experian to check my credit report. At a glance everything looked okay until i got to the " collection '' part of the report and saw that there were 3 collections accounts in my credit report. I immediately called the collections companies to find out what the accounts were about. It is then i realized that someone had stolen my identity and used it. I told the collections company that i might be a victim of identity theft as i have never received any form of service from these companies. The refused to listen to me and asked me to pay even though i never received any form of service. It is not my fault that i have been a victim of identity theft and I should not be held liable for anything done with my identity without my permission. I also noticed that there are fraudulent hard inquiries and an address on my report where I have never lived. I am filing this police report so I can report this crime. The fraudulent information appearing in my credit report is as follows : XXXX XXXX XXXX IN XXXX XXXX XXXX IN XXXX XXXX XXXX IN XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  All the following information appearing on my credit report is fraudulent and I have never authorized any of these.

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 2022-06-14
Company: Mr. Cooper Group Inc.
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is regarding me cooper, subserviced by lake view loans. 

In XXXX we signed mortgage modification papers. It stated XX/XX/XXXX our payments would resume. I went to pay online on XX/XX/XXXX and it stated a balance of {$0.00}. And that our next payment was due XX/XX/XXXX. So I thought maybe I remembered wrong. I got a call mid XXXX about our late payment. I explained the situation and requested a call back from a supervisor. About 3-4 days later I had to call again and request a call back. I received a call 4 days later on a Monday, and she left a voicemail to call her back at her personal office phone. I did, left a voicemail and received no response. I called again 2 more times over the next few days and still never got a call back. I call today to pay XXXX $ of my mortgage and figure as I get money XXXX just get caught up. Well, Im told when I call in that the manager left a note on my account that she cant do anything for me. I didnt even get a chance to tell her what happened, she just got the jist from an employee. How is that ok? Then she tells me XXXX cant just pay XXXX $ toward my payment. I need to pay it in full, or I need to pay XXXX $ today and XXXX $ for the next 3 months. I could do that, but not in lump sum amounts. So I cant pay my mortgage. I literally have no way to, they can have me come up with XXXX $ out of the blue, or have my bank bounce and I go thousands of dollars in debt, they wont let me simply pay it off one step at a time. How is that legal? Then the employee has the gall to suggest I sell my home. When Im LITERALLY TRYING TO PAY IT.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: PNC Bank N.A.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
From PNC Bank, on XX/XX/XXXX, there were numerous unauthorized wire transfers in which PNC ignored their own security alerts. PNC was alerted that these transfers were unauthorized transfers before PNC transferred the money out of my account : 1. XX/XX/XXXX Unauthorized transfer of {$990.00} + {$25.00} wire transfer fee 2. XX/XX/XXXX Unauthorized transfer of {$990.00} + {$25.00} wire transfer fee 3. XX/XX/XXXX Unauthorized transfer of {$990.00} + {$25.00} wire transfer fee 4. XX/XX/XXXX Unauthorized transfer of {$1000.00} + {$25.00} wire transfer fee 5. XX/XX/XXXX Unauthorized transfer of {$1500.00} + {$25.00} wire transfer fee My daughter is a witness to these unauthorized transfers. She, my daughter, is the user of this custodial account I set up for her financial protection. PNC will not return my calls of concern and told my daughter that I am responsible for the wire transfers. I have called PNC three times, spoke with the manager, and called their security-line 3 times. I have been hung up on, told how sorry they are ( but told there's 'nothing ' they can do ), and even denied 'where " the money transfers were sent ( they said they don't have documented proof to show me ). 
All of my banking access is secured with a 3rd system cell phone code, so my accounts could NOT have been logged onto to make the Money Transfers. My daughter has been given PNC account alerts to any unauthorized activity AND does respond " yes '' or " no '' to any activity ; however, there was NO alerts given on these Money Transfers of XX/XX/XXXX. 

Can someone help me?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: Debt Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am seriously about to result to legal action against the DRS ( Debt Recovery Solutions ) they have continued to damage my credit. I was never notified that they would be placing a negative collection item on my XXXX  report dropping my excellent score by almost 90 points. This is not something that I will take without a fight because now they have resulted to trying to damage my good credit without notifying me. Please investigate and have DRS to remove this negative medical collection item from my credit report or I will seek legal action. Im going to use the power of social media to share my story because thousands of people are being harmed by their sneaky, conniving and unlawful debt collection practices. I will not move forward with legal action or social media sharing they immediately remove this negative item {$200.00} medical collection from my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/XXXX, I, XXXX XXXX XXXX XXXX created an account with XXXX to check my credit report. At a glance everything looked okay until i got to the " collection '' part of the report and saw that there were XXXX collections accounts in my credit report. I immediately called the collections companies to find out what the accounts were about. It is then i realized that someone had stolen my identity and used it. I told the collections company that i might be a victim of identity theft as i have never received any form of service from these companies. The refused to listen to me and asked me to pay even though i never received any form of service. It is not my fault that i have been a victim of identity theft and I should not be held liable for anything done with my identity without my permission. I also noticed that there are fraudulent hard inquiries and an address on my report where I have never lived. I am filing this police report so I can report this crime. The fraudulent information appearing in my credit report is as follows : XXXX XXXX XXXX IN XXXX XXXX XXXX IN XXXX XXXX XXXX IN XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX All the following information appearing on my credit report is fraudulent and I have never authorized any of these.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-20
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I notified the company Coinbase ( of which I am a customer and account holder ) that their system had charged my bank account for three withdrawals instead of one like I had initiated. I told them they were showing 3 pending withdrawals for the same amount so I believed it was a system error. I notified them through email on XX/XX/XXXX of the system error. They responded saying I needed to change my password and a few other standard questions they also said they were going to disable my account for 5 days while they reviewed it. It has now been 9 days and I have had no access to my money or the ability to transfer my funds out of the account or sell the bitcoin while it depreciates in value daily. the lower the value the less it will cost coinbase to fund the bitcoins that should be in my account as we speak. I ca n't even verify any of my funds. How is this company allowed to do this? I have emailed them 9 times since the first response ( once every day since they disabled my account ) I have received two automatic responses saying someone would respond soon. That is the entire support I have received from this company holding my assets.

Company response to consumer: Closed with explanation