BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
XXXX ; XXXX  and Transunion are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have to contacted the bureaus to remove these however, I have not been successful.

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 2016-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
We obtained a mortgage from Bank of America to purchase our home. We repeatedly informed them that we do not want an impound account and did not sign any paper consenting to an impound account, and yet, an impound account was imposed without our permission at closing. We made numerous phone calls to Bank of America to remove the impound account, and our requests were ignored. Each time we called, we were reassured by different representatives that the impound account would be removed, but nothing happens.

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 2016-11-10
Company: JPMORGAN CHASE & CO.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I went to pay my JP Morgan Chase mortgage on line and the option was n't there. I then went to my bank and the bank manager had to make several calls to find out what had happened to my loan. From what I read they are required to notify me before they to the transfer. I did get anything in the Mail, E-mail, message through chase.com, phone call, or push notification with the chase app. That 5 ways they have and do contact me and they did n't.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Chase took all my transactions from yesterday XXXX that were not pending when I did them like cash withdrawals and pushed them out a day later and charged me 2 overdraft fees when the XXXX are you going to stop chase bank from juggling when things happen as to make more in overdrafts I think they implemented a new algorithm after first of year all transaction that I saw complete on XXXX were pushed off to XXXX XXXX. This makes perfect sense because how the XXXX would I be able to withdraw cash if I was overdrawn they are screwing us again by taking transactions that happened over weekend and not processing for XXXX bank days that 's a joke if I used over weekend should process on tue especially cash withdrawal why are we letting them do this. You mean to tell me chase ca n't even post cash withdrawals from an ATM for two bank days that 's XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-02
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:
Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report.

Item # 1 : I dispute XXXX XXXX XXXX  XXXX XXXX {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Item # 2 : I dispute XXXX XXXX XXXX XXXX Balance {$170.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information.
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items.

Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01
Company: Mercedes Benz Financial Services
State: WI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
We made an additional principal payment of {$5000.00} earlier this year to Mercedes Benz Financial Services. This was made beyond our monthly payment - which is set up as a monthly autopay. MBFS improperly processed this {$5000.00} payment as an advance payment. Furthermore, they turned off our autopay. We never authorized them to turn off our autopay, and we made our principal payment in good faith as just that. We had not noticed that they turned off the autopay, but when we did, we asked them to make the necessary adjustment in a manner that would not impair us, and in a way that the interest payments were adjusted back to reflect this payment in XXXX, and I offered to make total payment at that time for the total amount of autopays they never drew from our account. The problem is that when they made the adjustments, they included a number of late payment notices, and also added a number of late payment fees. I have been speaking with them on and off for two weeks and they still have not corrected this. In summary, they acted in an unethical way, trying to turn our principal payment into something it was n't. They damaged our near perfect credit rating by layering on late fee notices - when there were never any late payments - none.. and then they assessed us late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-02
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:
Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report.

Item # 1 : I dispute XXXX XXXX XXXX  XXXX XXXX {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Item # 2 : I dispute XXXX XXXX XXXX XXXX Balance {$170.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt.

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report.

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information.

Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: TRUIST FINANCIAL CORPORATION
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have made several attempts to contact SunTrust now known as trust. They refuse to acknowledge any payment and insist that my payments are late. Every time I call they either place me on hold indefinitely or hang up. I use an auto pay service and they refuse to accept the correct dates of payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
On XXXX XXXX, after pulling my credit report I found out several accounts that did not belong to me, about a month later, I started disputing the incorrect info and after a few months I was able to get them remove. Unfortunately, the little issue that I currently have is that, there is a late payment showing on my credit card account that is not right, I was never late on that account. The late payment was allegedly made on XXXX XXXX so I am submitting a complaint thru this site, expecting to get this issue solved.

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 2021-11-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I filed a complaint already about Capital one holding frozen the funds from XXXX loans deposited into my account by XXXX thru the payroll protection program. I am attaching their response and my complaint is that why the capital one representative signed the response with ONLY her first name XXXX and why despite offering a phone number to reach out to her and the hours she would be available she never answers or calls back to any calls and messages which i did both everyday almost. Also why she said that XXXX hasnt responded to their email requiring where and how to send the funds back? First of all, the email address she claimed they sent emails to, DOES NOT EXIST according to XXXX so how is that possible to send XXXX emails to a non existing email and by who? Just XXXX? second what other instructions would capital one needs to send the funds back if they have the senders indemnity ( XXXX ) form that includes their banking information plus capital one has the ach deposit transactions the XXXX loans were sent into my account so why cant they be send back the same way? 
My last complaint is why did capital one closed my other accounts that i had with them but is keeping the account with more than {$XXXX} open and frozen even after they received the hold harmless form a XXXX ago?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: EQUIFAX, INC.
State: NJ
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:
On XX/XX/2020, after pulling my credit report I found out several accounts that did not belong to me, about a month later, I started disputing the incorrect info and after a few months I was able to get them remove. Unfortunately, the little issue that I currently have is that, there is a late payment showing on my credit card account that is not right, I was never late on that account. The late payment was allegedly made on XXXX XXXX so I am submitting a complaint thru this site, expecting to get this issue solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: PNC Bank N.A.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have tried since XX/XX/XXXX to resolve this issue with our present Mortgage Company, PNC Mortgage, as well as reaching out to the previous mortgage company ( XXXX ) and the appraisal company we were given of XXXX XXXX ( now known as XXXX  ). 

We received a mortgage bill that included a line item for " Past Other Fees '' for {$390.00}. There was no separate invoice or letter explaining what this sudden charge was for. We contacted PNC on several occasions to get an explanation and we requested by phone for a separate bill advising us what the charge was for. We were finally advised on a long call with a customer service representative that this was for an appraisal done XX/XX/XXXX for XXXX XXXX ( previous mortgage company ) by XXXX XXXX. No one could tell us why PNC was charging us for this now, after 5 years. No one has let us know whether this was paid, or why PNC is billing us for it 5 years later. We did find out from XXXX that XXXX did order an appraisal when the PME was dropped, but we don't know whether we were notified when this happened ( or billed or should have been ), we still do not know whether XXXX paid XXXX  XXXX or no one was paid, and if we were supposed to pay why we were not officially notified and billed. 

We are submitting a written request for information today to PNC as we are still waiting from our calls in the Spring XXXX to find out who paid who -- or not. 

We are willing to pay this bill, if it is correct and we have all of the information in a letter and or invoice detailing what we are being charged for and who was paid. 

We do not want this to effect our credit, nor our good standing with our loan ; however, we are getting concerned that we have still not received the information we requested in writing from our many phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Bayview Loan Servicing and XXXX XXXX XXXX Mortgage Servicer the Master Servicer HAS VIOLATED SEVERAL BANKRUPTCY LAWS AS WELL AS federal and state laws when providing responses to multiple complaints filed through the Consumer Financial Protection Bureau. Bayview Loan Servicing and its employees provided multiple fraudulent documents including a fraudulent deed with wrong dates. In providing these fraudulent fake documents as authentic Bayview Loan Servicing llc has violated federal and state laws. In providing these multiple fraudulent fake documents in attempt to deceive Bayview Loan Servicing has also failed to truthfully respond to several Qualified Written Request made by us through the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card
Issue: Billing disputes

Complaint:
I paid a {$11000.00} fee and forfeited {$XXXX} in wages and PTO to payback costs of an XXXX after leaving an XXXX. Their were other factors involved, which can be boiled down to that issue that the certification vendor would not be notified of this agreement or either of our disputes. 
I have detailed paperwork ( an actual contract ) documenting their promise. 
I was not able to obtain a full-time job again in that field for another 5 months. 
At that new job, I was promptly fired because they found that the XXXX had a complaint on file from my prior employer. The contract expressly states that such complaints violated the agreement. 
I contacted the former employer who helped me get the certification, but they will not reply to any form of communication. 
I contacted my credit card and they can not get through to the former employer. 
They finally closed my dispute saying that : " This is well past the 60 day period and we have no obligation to help you. " I had no way of knowing the former employer 's failure until the 5 month point. 
What can I do now? 
Out of work and out of {$16000.00}. 
By the way, that contract expressly forbids legal action from either party regarding any past or future disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22
Company: JPMORGAN CHASE & CO.
State: OR
Product: Credit card
Issue: Other

Complaint:
To Male Worker Only : I filed extra-charging complaints against all Chase Bank that I required to obtain a credit card which they declined because of my Social Security limited and complaint credit card request for employee/employer only, no acceptance for Social Security felt discrimination, let Speaker XXXX XXXX & U.S. Senators knowledge about these problems with credit card and included interest rates. I was not happy with interest rates affects to credit card, it may steal my money to lose them. Chase, XXXX XXXX, XXXX XXXX XXXX, and other banks does not let me having me credit card discrimination and included credit reporting record, many other issues. I complain with rewards with Chase did not issue me, did not give me bonus rewards. 
I do not allow female workers involved in this informants about between me and banks! 
Sincerely, XXXX XXXX XXXX - Report to Speaker XXXX XXXX and U.S. Senators Requirement:

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XX/XX/2020 I requested that TransUnion investigate and validate the following accounts reporting on my credit report : I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : 1. XXXX XXXX XXXX Acct # XXXX XXXX 2. XXXX XXXX XXXX Acct # XXXX XXXX 3. XXXX XXXX Acct # XXXX XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be immediately removed from my credit report within 30 days. 

On XX/XX/2020 I advised TransUnion that previously disputed accounts I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete the negative information for the following accounts : 1. XXXX XXXX XXXX Acct # XXXX XXXX XXXX. XXXX XXXX XXXX Acct # XXXX XXXX 3. XXXX ( Acct # XXXX ) On XX/XX/2020 I advised TransUnion that previously disputed accounts I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete the negative information for the following accounts : 1. XXXX XXXX XXXX Acct # XXXX XXXX 2. XXXX XXXX XXXX Acct # XXXX XXXX 3. XXXX/XXXX  ( Acct # XXXX ) On XX/XX/2020 I advised XXXX  that previously disputed accounts I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete the negative information for the following accounts : 1. XXXX XXXX XXXX Acct # XXXX XXXX 2. XXXX XXXX XXXX Acct # XXXX XXXX 3. XXXX XXXX Acct # XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: Experian Information Solutions Inc.
State: NJ
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:
I wrote a letter XX/XX/2020 and not heard any information back from them regarding the erroneous information on my report. I have sent them a picture of my photo ID, Social security card and a bill.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: Debt Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been trying to have this debt validated for years. It is for something/medical related in a state that I do not live in nor have ever lived in. I have sent numerous ( 5 ) validation letters to the creditor listed on my credit report, all of which have been returned to sender. I have also disputed the debt with credit bureaus, both XXXX  and XXXX  were also unable to validate this debt resulting in deletion. XXXX  continues to report a debt that I personally believe to be past 7 years, but the collection agency keeps reporting it newer and newer. I asked XXXX  to delete it as it is past the 7 year window, but also as they have not validated the debt nor has the creditor - which is a violation of my consumer rights and why I am escalating it here.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: Financial Recovery Services, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Financial Recovery Services is calling for someone who owes a debt but does NOT live at the phone number being called. They keep calling the " wrong number '' day after day and month after month looking for someone else. I AM ON THE DO NOT CALL LIST!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed