BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I made an online purchase of {$1300.00} on XXXX XXXX website on XXXX XXXX. I was charged the XXXX  transaction fee despite the amount charged in US dollars. Bank of America customer service refused to register a complaint and wanted me to talk to merchant about merchant transaction code about the fee. I would like to get clear information from the bank when I would be charged foreign transaction fees even the purchase amount is in dollars. I would also like to get the fee refunded for the US dollar transaction.

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 2017-01-23
Company: Southern Management Systems Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am a student attending to XXXX and leased an apartment for a year from XXXX XXXX, XXXX XXXX to XXXX XXXX made all the payments and gave notice of non renewal in advance. Inspection was done on XXXX XXXX and the administration office advice me of everything been clear when I turned the key. 
I check my credit report about a week ago and find a surprising collection for {$100.00} that I do not owe.

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 2021-09-29
Company: EQUIFAX, INC.
State: SC
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:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: Self Financial Inc.
State: OH
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 the month of XXXX, I paid my monthly dues for my credit card with Self. They took out additional three Payments of {$36.00} dollars. I asked for it to be refunded or be accredited to my account. They refused to do so. They also took my credit score down 14 points actually my score should be XXXX by now I have paid on time. I sent proof from my bank statement the still refused to correct their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Mr. Cooper Group Inc.
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The Mr.Cooper mortgage company completed an " escrow analysis '' of our mortgage in XXXX of XXXX, in which it created an artificial " escrow shortage '' by anticipating property tax payments a full TWO MONTHS before such payments are actually due. On XXXX XXXX we wrote Mr.Cooper pointing out the error, and a subsequent " escrow analysis '' was conducted repeating the same error and continuing to create an artificial escrow shortage for which Mr. Cooper seeks to raise our mortgage payment. Further, despite the " anticipated '' escrow payment used by Mr.Cooper, the actual property tax payment " anticipated '' for XXXX XXXX, XXXX was not actually made by Mr. Cooper ( it isn't due until March ), thus proving there is NO escrow shortage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX XXXX {$3100.00} XXXX  XXXX {$5700.00} XXXX XXXX XXXX {$150.00} XXXX XXXX {$700.00} XXXX  XXXX {$3100.00} XXXX XXXX {$820.00} XXXX  XXXX {$5700.00} XXXX  XXXX {$220.00} XXXX   XXXX {$820.00} XXXX  XXXX {$260.00} XXXX  XXXX {$670.00} XXXX XXXX   XXXX {$1400.00} XXXX  XXXX XXXX XXXX {$100.00} XXXX  XXXX {$100.00} XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX {$45.00} XXXX XXXX   XXXX {$25000.00} XXXX XXXX   XXXX {$610.00} XXXX   XXXX {$7700.00}

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 2020-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX XXXX {$3100.00} XXXX XXXX {$5700.00} XXXX XXXX XXXX {$150.00} XXXX XXXX {$700.00} XXXX  XXXX {$3100.00} XXXX XXXX {$820.00} XXXX  XXXX {$5700.00} XXXX  XXXX {$220.00} XXXX   XXXX {$820.00} XXXX  XXXX {$260.00} XXXX  XXXX {$670.00} XXXX XXXX   XXXX {$1400.00} XXXX  XXXX XXXX XXXX {$100.00} XXXX  XXXX {$100.00} XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX {$45.00} XXXX XXXX   XXXX {$25000.00} XXXX XXXX   XXXX {$610.00} XXXX   XXXX {$7700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: JPMORGAN CHASE & CO.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I had a lease with JPMCB Auto which ended in XX/XX/2020 and they still showing this lease as open lease in our credit report but it is already pad and closed, I am trying to refinance my mortgage and because of this is holding me to do it. I called them 3 times and they always promise to fix and provide letter but they never mailed me anything to prove that is paid and closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-29
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened a Best Buy Citi Visa card when I purchased a laptop to facilitate my daughter 's distance learning school curriculum in XX/XX/XXXX, in order to get 18 months ' same-as-cash financing. We planned to pay off the purchase ahead of schedule, so my husband and I began paying {$100.00} toward the balance of the card at the start of each month. The original balance on the card from the laptop purchase was {$1000.00}. Each payment was made well ahead of the billing due date on the XXXX of the month. 
The trouble started in XX/XX/XXXX, when our payment was counted as a second payment for XXXX, instead of as a payment for XXXX. Since their system did not recognize any payment having been made for XXXX, I was assessed a late fee of {$29.00}. Assuming it was an error, I called the company to complain ; they waived the late fee. Still not understanding that paying too early in the month was causing payments to be counted towards the previous month, I was assessed another {$29.00} late fee in XX/XX/XXXX because my XXXX payment was recognized as a second XXXX payment. Now recognizing the problem, I paid a second time in XXXX to make sure a payment was received late enough in that month to not be counted as a XXXX payment. This time, however, the company did not waive the late fee. 
Because of the late fee, when I paid off the exact amount of the purchase in XX/XX/XXXX, a {$29.00} balance remained on the account. Calls to the company requesting to waive the late fee were fruitless. I was kept on hold for unreasonable amounts of time, and no one ever explained to me why I should owe a late fee for payments made ahead of the due date each month. Citi steadfastly refused to waive the disputed balance. Meanwhile, I was being assessed additional late fees and interest on the disputed balance on my card. My credit score was damaged. Collectors began to harass me by mail and telephone. Finally, in XX/XX/XXXX, a representative from Citi explained to me that their terms and conditions held that payments made too early would not count toward that month, and, as such, would result in a late fee. I have been unable, as of yet, to find such language in the terms and conditions.

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 2021-04-21
Company: Synergetic Communication Inc
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of Identity Theft and this what happened. On XXXX, XXXX, after I pulled my credit report, I found out multiple accounts that did not belong to me, right after doing my own research, months later, to be exact on XXXX, XXXX, I submitted my first dispute to the credit bureaus, after about three weeks a received replies from them requesting me to file a Identity Theft Police Report, so I did. On XX/XX/XXXX I filed my Police Report, with the report in my hands, on XX/XX/XXXX, I started my dispute journey but this time I included my Police report. I did not send my disputes to the credit bureaus very often, since I am always busy, but so far since that time to date, I have submitted my package of Identity Theft at least four times. 
Unfortunately, I recently received multiple collection letters trying to collect on alleged debts that I really do not have any idea of. One of those collection letter is the one with SYNERGETIC COMMUNICATIONS INC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am writing to dispute a fraudulent debt on my credit in the amount of {$7000.00}. I do not recall this debt. I am requesting that the debt is removed off my credit report with the XXXX bureaus XXXX, XXXX ( r ) and TransUnion ( r ) and any finance and other charges related to the fraudulent, as well. 

I have previously sent you a request to validate our debt under Texas Finance Code and all I received was an itemized list of the alleged charges you claim I owe you, which I do not. I did not receive a lease agreement showing my signature nor the required information by Texas financial code. This does not meet the Texas Financial Code guidelines of what constitutes proper debt validation and must be deleted. Please remove off credit reports for Transunion, XXXX, and XXXX. I am attaching a copy of the original DV letter with the Texas Code on it and will be contacting the Texas State Attorney General office on your non-compliance and better business bureau. I have listed below how you are not meeting the Texas Financial Code. 

Please note Transunion, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. 

If your offices have reported invalidated information to any of the XXXX major Credit Bureau 's ( XXXX, XXXX or TransUnion ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : *Violation of the Fair Credit Reporting Act *Violation of the Fair Debt Collection Practices Act *Defamation of Character National Credit is sending invalid information on behalf of the Merdian/UDR and this is completely fraudulent and not owed by me. Remove this from my credit, you have been reporting this fraudulent debt for 6 years. 

XXXX has stated they have no record of my information, yet they are reporting on my credit report. This needs to be removed.

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 2021-09-29
Company: SYNCHRONY FINANCIAL
State: NJ
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 wrote to the company to inform them that the inquiries in question were fraudulent and needed to be removed. Instead I was either not answered or sent notices that they had no proof of the inquiry even being put on my credit report. They never provided any proof that I was the one who ran my credit. 

The date is now XX/XX/2021, I have been contacting the following company for the past 3 months to no avail. someone was trying to get credit in my name as well as loans to do XXXX knows what. They failed to assist and I am now filing a complaint. 

Synchrony Bank 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 non-monetary relief
Consumer complaint received 2021-09-29
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I made a wire transfer from my XXXX TD bank account to family 's TD bank in XXXX on XX/XX/XXXX. My bank has sent the funds out. I was contacted on XX/XX/XXXX to provide more information, place of birth, place of citizenship and place or current residency which was sent to intermediate bank. But they have not transfered to funds or communicated in any way until now XX/XX/XXXX. They do not reply back to emails my bank is sending them. I need my immediately this is causing alot of damages, financially and otherwise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-24
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I 'm a victim of identity thef some took my info and opened up accounts in my name and I call the credit bureau so they can investigat which they did, but for some reason Equifax credit bureau is not removing that collection off my report. The name of the company is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XX/XX/XXXX I was one month past due on my mortgage payment. On XX/XX/XXXX I purchased a cashiers check from XXXX in the amount of two months payments made out to my mortgage company Chase JP Morgan. 
About three weeks later, a bank employee from XXXX XXXX notified me that a cashiers check drawn on JP Morgan Chase bank in the exact same amount of the cashiers check sent in for my payments was sent to XXXX. The cashiers check was made out to XXXX XXXX, not me. 
I immediately contacted Chase bank to inquire why they did n't apply my payments properly. I was told that they had no knowledge of this transaction, but that I was now 90 days in arrears and being placed in foreclosure. If I wanted to avoid foreclosure, I must immediately send in over XXXX in back payments, late charges and attorney fees. 
I waited until XX/XX/XXXX, called again and was told my only option was to modify my existing loan and the payments would be added to the new loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I submitted an investigation back on XXXX XXXX, 2015, and was told that the investigation would be complete on XXXX XXXX, 2015. When I received the new version of my report, the information was still the same as before. When I called them, I was told that they extended the investigation another thirty days for the same item that was submitted back in XXXX. Now, it is taking them 60 days to update my report ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 XXXX XXXX is constantly changing the balance they say I own on my credit report. The account shows charged off and is constantly updating higher balances on my credit report. I have sent in letters to XXXX XXXX XXXX XXXX and the credit bureaus asking for debt validation that this is in fact my account. I had an account with XXXX XXXX XXXX XXXX before and I paid it off as agreed and it is closed. There is this charge off account on my credit report that is constantly changing balances that don't belong to me. No one as sent me any correspondence of proof that they verified this debt is mines. Even the credit bureaus have not done their part in investigating this. The account I am speaking of ends in XXXX per my credit report. I demand this be removed from all three bureaus since I have been disputing this for years and no one looked into this for me.

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 2022-05-05
Company: TrueAccord Corp.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I tried contacting True Accord after receiving a letter in the mail in an attempt to collect a debt in which I sent an email as one of the methods indicated for the dispute in regards to dealing with a third-party app named XXXX not working on my behalf to deal with a fraudulent merchant that they sponsored on their website. The email was sent on XX/XX/XXXX, and they have yet to respond to my dispute nor acknowledge that they received my dispute. A week following I sent a follow-up email which they also have not responded to. The amount requested is {$760.00} which I deny and do not accept as a charge being that the merchant whom I purchased from was not as described and was not up to the company 's promise or standards. 

A quick background on the debt : I made a purchase in XXXX of XXXX and have dealt with negligence from the merchant from the very beginning. I have called and been strung along, emailed over and over, and even contacted XXXX, the third-party payment app to contact the merchant as well. XXXX denied after several attempts to handle the situation or contact the merchant after getting no response from them either. XXXX began to get very upset with me for contacting my original payment card used to dispute the charge due to fraud and mislabeling from the merchant on top of negligence and stopped offering to help me. After months of requesting a refund and offering to return the item for my funds to be returned, the company changed their refund policy online and I was not able to retrieve my funds due to this being a new term they added after my purchase and after my complaints. XXXX also has deleted my warnings and reviews from their online websites and social media accounts and only keeps positive reviews. I have reported the merchant to the XXXX  and I was informing XXXX of this negligence and constant fraudulent behavior constantly and even requested that they would remove this merchant from their app as a form of punishment. Instead of helping me as a consumer, XXXX wanted to keep the merchant happy and was instead asking me to handle the situation on my own after months of no response and being at a standstill they have reported my debt to True Accord who are requesting for me to pay them the full amount before XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XXXXdollars were deposited on my account via ATM. I do have a receipt for the deposit. Bank didn't deposit my account. I reached out to the customer representative multiple times but no solution. I have received a letter on XXXX stating my claim has been denied.

Company response to consumer: Closed with monetary relief