BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE 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: Was not notified of investigation status or results

Complaint:
Im just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. Im pretty frustrating to be honest, but I know that mistakes happen. I trust youll fix the situation. Heres the wrong info : 1. XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME 2. US DEPT ED Account Number : XXXX THIS ACCOUNT IS INACCURATE I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME

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 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX is reporting incorrect late payments from multiple federal loans I have with them going back to 2016.

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 2016-07-09
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Late fee

Complaint:
For three months XXXX XXXX - XXXX XXXX Citi has claimed my bank has returned my payments as NSF. I was not informed until XXXX about the issue. I called and spoke to someone who stated payments take XXXX5 days. I scheduled a payment for XXXX/XXXX/16. I called again on XXXX/XXXX/16 and was hung up on. I called back and the person I spoke to said the bank had returned NSF, even though I was paid the day before the payment was set. She then told me they had resent it and it had been accepted and they had received the funds from my bank, and that she would request a supervisor to contact me in XXXX48 hrs. I never received a call. I received an email on XXXX/XXXX/16 that it was returned NSF. However, I had a minimum of $ XXXX {$500.00} in my acct for the past week, over {$1000.00} the previous week. The person I spoke to said a request for a supervisor to contact me had n't been made until XXXX/XXXX/16. Because of this continued issue, my credit score had take a substantial hit, making it impossible to get the home loa I was going to go after. When I told this person I was upset and wanted to speak to a supervisor about getting refund on the return fees I was charged, and getting my credit score issue addressed, she told me that Citi did n't report to credit bureau. She also said that there was no supervisors available. The person also put me on hold a couple of times while I was attempting to explain. She finally told me that if I did n't stop talking she would n't make a note of my complaint. At this time I became very angry, hung up, and made this complaint.

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 2017-05-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In  XXXX   2016 I conta cted several moving companies for a cross country move. The sales rep   XXXX   from   XXXX   XXXX   XXXX   XXXX   quoted me {$1800.00} and promised to throw in all the packing fees etc. I booked for  XXXX   XXXX  and when the driver arrived and moved all my belongings, he now told me my total was almost double the amount (  XXXX  $  ).  He told me to pay half the amount by c c ( chase ) ( {$1700.00} )  and dispute the following with his accounting dept.  XXXX . I did so and she promised to get back to me with a resolution. My belongings arrived and the driver demanded the remainder in ( {$1500. 00} )  cash.  XXXX  had never gotten back to me and if I did n't pay I would n't get my stuff. They held my belongings hostage and I had several missing boxes and damaged items. I reached out to both  XXXX  and  XXXX  and they avoid my emails and calls. I filed a dispute with my cc company and they dragged it along for 10 months. Finally the sided with the merchant because they picked up and delivered the items. I was a victim of a bait and switch and thier reputation apparently has scammed many people. Chase/Mc has a partnership with them that 's why they sided with them. Please help me ban them from scamming more people!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-21
Company: EQUIFAX, INC.
State: CA
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:
XXXX is reporting incorrect late payments from multiple federal loans I have with them going back to 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: Checkr, Inc
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Wrongful Miscellaneous Incidents reported on my background check it is reported on the day I got  filled for my new license online from XXXX so how did could there already be accident reported on it because I didnt even get my license in the mail another week so this is wrongfully reported accident on my records OTHER XXXX  XXXX # XXXX XX/XX/2020 XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I made a deposit to my checking account to cover some online purchases. I moved these funds over prior to making the purchases. When I checked my account this morning the bank levied a XXXX overdraft charge even though I was not in the negative at any time. I have a screenshot of my activity proving this. I contacted the bank and they admit that while I was not in the negative, because I made the wire transfer and the purchases after their cutoff date, they reserved the right to levy what they call a " virtual overdraft fee ''. I 've been banking with FNB since 2011 and have never had any problems until their merger with Metro Bank this past year where all of a sudden they started to do all of the shady Metro Bank traditions that they and XXXX XXXX have been well known for.

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 2016-03-31
Company: Dynamic Recovery Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recieved a letter stating that I oww {$340.00} to Dynamic Recovery Solutions because of an original creditor XXXX. I have never owned a sprint account. I checked my credit report and nothing is on there from a XXXX or any other negitivie items. I never gave out my information or had this so called account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-05
Company: RABOBANK, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
XX/XX/2016, I began the process to refinance my personal home 's mortgage with Rabobank. Currently serviced by Rabobank, I started dealing with XXXX XXXX XXXX XXXX at the XXXX, CA branch. I completed my application, provided all supporting documents, and completed the credit check. The bank approved my application and I signed a rate lock at 2.875 % for a 15 year fixed loan locking the rate on XX/XX/2016. Weeks later in trying to correspond with the bank to get the refinance on pace for completion prior to the lock expiring, the loan officer explains to me the the bank no longer wants to offer a 15 year fixed loan to me and the only product I could use was a 10 year ARM amortized over 30 years. Although I did not want an ARM, I said I would go to the ARM if they honored the rate we locked. Later, I was advised that the regional manager in XXXX XXXX 's supervisory chain, XXXX XXXX XXXX did not wish to honor the bank 's rate lock. 
I believe that Rabobanks efforts in not servicing an approved loan, with a signed locked rate, while interest rates are on the rise - is an unethical banking practice. If rates were on the decline, I am sure they would make sure I honored the lock on my side. 
I respectfully request the CFPB investigate this situation with Rabobank and unethical lending practices so it does not happen to others. While honoring what I believed to be a commitment with their bank, I sacrificed precious time when I could have been using another institution to refinance my loan prior to rates going up. I have been asking the manager to help find a resolution, extend me a loan at the agreed upon rate, but without success. After a week of no response, I emailed him requesting an answer and was still promised that he was working it " internally ''. 
Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-29
Company: Cottonwood Financial Ltd.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Received collection letter dated XX/XX/2016. 
Sent cease communication letter on XX/XX/2016 via certified mail. 
Was received and picked up on XX/XX/2016. 
Received another collection letter on XX/XX/2016 They are in violation of the law by contacting me after I told them to stop.

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 2020-04-15
Company: SUMMIT FUNDING, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, I have a conventional XXXX XXXX backed loan that is serviced by Summit Funding. I  called them today to talk to them about mortgage relief due to Covid 19, and to go over my options. They informed me that my only option was a 3 month forbearance followed by a lump sum payment of 4 months of mortgage payments in one shot. I told the agent, who was very nice, that those rules would set me up in a bad position 3 months from now. I asked if their were any other options, he told me no. I was surprised and told him so. He actually told me that many of people have been calling in and have expressed the same concerns and that he and other agents there have gone to leadership to see if other repayment options can be offered such as a repayment plan or to put the payments to the back of the loan. He was told that the government backed loans ( XXXX and XXXX ) arent offering that and lump sums are all they can offer. 

This just doesnt sound right to me. I feel like the mortgage relief program due to a pandemic keeping our nation indoors and out of work is not normal circumstances and how can we come up with 4 months of payments 3 months from now. 

I think my loan servicer is either interpreting the program wrong or is not offering us the full program. Can you assist?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I 've been trying to contact transunion credit report because I 've been monitoring it. I noticed that a were removed & have been re-inserted. I have n't received any notification or written documentation from transunion to advise me of this. I know according to the fcra this is against the law & I would like it to be corrected.

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 2016-08-31
Company: SIERRA PACIFIC MORTGAGE
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
We submitted all our info and got preapproved. Completed application and all. Our broker thus decided to change jobs, he pulled our application and we have XXXX deposited with our builder and no longer have a mortgage. NMLS # XXXX We were due to break ground next week.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I was banking with TD bank and there was fraud done to my bank account. Someone deposited into and then withdrew from my account. Upon their investigation they verified it was not me who did the transaction. It was not me who made extra fraudulent charges. I had never made transactions similar. The signature was not mine. I was in a completely different XXXX when the incident took place. They promised me they would redirect my payroll check into another account for me also. They then decided that since the person knew my pin number that i was liable and they took my check and made me responsible for the transactions. That is totally unfair to me. I was not responsible and they had no proof or a reason to hold me accountable. There are several ways scammers can access another persons pin number. i had been a loyal customer and a upstanding citizen then and until this very day. now i cant get a bank account, they took hard earned money from me and they ruined my name and reputation to other lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
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:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX all ftc violations will be attached

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 2020-04-15
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:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX all ftc violations will be attached

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: Square Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On Sunday XX/XX/2020 I Initiated a XXXX $ transfer from cashapp to my bank account ( chime ). Cashapp told me my funds would arrive on Tuesday XX/XX/2020. Cashapp took the XXXX $ from my cashapp & never deposited in my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: TX
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:
The Credit Bureaus never did a proper investigation according to the FCRA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information They did not do this Also they have violated my rights even more In accordance with the Fair Credit Reporting Act everything has to be 100 percent accurate on my credit report The Credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the date last reported is inaccurate. This is grounds for removal.

They also violated the law because according to 15 U.S.code 1681 1.section 602A State : I have the right to privacy 15 U.S. code 1681 section 604A States : it also states a consumer reporting agency connot furnish a account without my written instructions I did not give anybody written instructions Delete all inaccurate accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: JPMORGAN CHASE & CO.
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: Account status incorrect

Complaint:
With regard to my Chase Freedom credit card account number XXXX, I requested a COVID-related accommodation for a late payment but was denied. 

Chase Freedom is reporting to the credit reporting agencies ( CRAs ) a 30-day late payment for a missed payment between XX/XX/XXXX and XX/XX/XXXX. 

The late payment is COVID-related. At the time my mother-in-law was in a hospital in New Jersey for a XXXX XXXX XXXX when she contracted XXXX and remained sick for two months. During this time of anguish and uncertainty I completely lost track of the Chase Freedom account, but as soon as I realized that payment was late I immediately made payment in full on XX/XX/XXXX. 

I asked Chase to make a COVID-related accommodation pursuant to the CARES Act, but was denied on grounds that they can not make accommodations for past credit reporting. 

However, pursuant to the terms of the CARES Act, I am worse off having made full payment without requesting an accommodation than if I had first requested an accommodation and then made the payment. This is nonsensical. 

Per Cares Act, 15 USC section 1681s-2 ( a ) ( 1 ) ( F ) ( ii ) ( II ) ( bb ), if an account was delinquent before an accommodation is made and the account is brought current during the period of accommodation, then the information furnisher must report the account to the CRAs as current. 

Here, my account was delinquent. I missed a payment due to COVID illness in my family. I made complete payment before requesting an accommodation. Chase says they are obligated to continue reporting the account as 30-days late despite it being COVID-related, and despite CFPB guidance for lenders to work constructively with borrowers affected by COVID, ( per CFPB guidance dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). 

Meanwhile, if I had not made the payment and remained delinquent, then requested an accommodation from Chase while still delinquent, then per the CARES Act section cited above I could have brought the account current and Chase would be required to report the account as current. 

I am being penalized for bringing the account current without having first asked for a CARES Act accommodation. This is an absurd and unfair result that contradicts the CFPB guidance that lenders accommodate borrowers affected by COVID.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: EQUIFAX, INC.
State: DE
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:
Equifax-Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Last Thursday night I deposited my payroll check thru an ATM at the Bank of America branch located XXXX XXXX XXXX XXXX, XXXX, WA XXXX. At the time I was overdrawn on my accout but the check for {$1800.00} was more than what was needed to cover this. 

I received and email on XX/XX/XXXX saying the check was being held until XXXX XXXX because of poor image quality " {$1800.00} XXXX XXXX, XXXX by XXXX local time XXXX XXXX, XXXX {$1800.00} {$1800.00} Reason for hold Reasonable cause to doubt collectibility due to image quality. 
Monday XXXX XXXX I went to the branch were the deposit was made and the employee got me in touch with Customer service who checked with Risk Management. They said the image had the account number but only a partial routing number they could not release funds until XX/XX/XXXX. 

As I mentioned this is the same payroll check I have been depositing twice a month for as long as I have had the account. I am now having direct payments hit and not only are they not being covered, which I was told would be because the check is in pending status but I am receiving NSF charges. 
This seems extreme and completely unacceptable since the issue here is the ATM, not anything that was controllable by me. 

Can you help get this resolved

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