BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-26
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I am filing this complaint against CHASE bank. Upon my return from a vacation I received a text that my account was overdrawn. This seemed odd as I only made a small purchase at the airport and I had more than adequate funds in my account. Upon reaching state side I called chase and was told by a rep that told someone to deposit {$7000.00} in my account. I tried to enquire where and when this took place because for XXXX I know another person can not deposit cash into a chase account. I was told there was an investigator and I would need to speak with them. I was not given a name or any contact information. I waited a day but no call back so I called them again I was given a name and email and a phone contact. I called and spoke with the investigator and was told that there was a scam and the funds were being channeled through my account. I was advised there was a court order to freeze both my accounts. CHASE has never sent me a copy of this court order I went to the branch and requested same and was told by the account manager or manager there that they were closing soon. I also tried to get it from the investigator all this has since been in XXXX of XXXX. 
I was not involved in any fraud, though I sent a recording of all the email correspondence indicating I was not involved and had no knowledge of any such transgressions. At the same time they have not proven anything to me or provided me with any proofs of what they are accusing me of and I was advised my money is being seized because I transferred money from XXXX account to another. I explained the person in question asked me on several occasions to purchase stuff for her which I did from my other account there and simply transferred the money back because I did not have the card I had given the card to my then XXXX. I dont care if they close the account or seize the money in the account that the deposits took place I just want my money that I worked for and my account shows my paychecks are the only monies

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: EQUIFAX, INC.
State: CO
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  is reporting incorrectly a balance of {$130000.00} to Equifax and XXXX   on the XXXXXXXX XXXX XXXX partial account number XXXX, as well as the account being reported as ( 120 ) days past due. The balance reporting is completely false. ( Please see page attached from my credit report as well as the statement dated XXXX from XXXX XXXX XXXX. ) On XX/XX/2019 a Consent to Final Judgment of Mortgage Foreclosure was filed on my behalf. ( Please see document attached. ) Because there is a signed Judgment that has been filed with the Court, this line item no longer can be reporting and therefore it needs to be removed from my credit report. XXXX has removed this line item and I respectfully request that Equifax and XXXX  remove this line item as well. It is a violation of the Fair Credit Reporting Act to continue to report inaccurate information. I have contacted the bureaus to remove this however, I have not been successful. This incorrect reporting is seriously harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Navient has me paying two separate private loans. Which is two separate bills ontop of the consolidated federal loans I have a bill for. They should be consolidated and the interest rates are ridiculous. One is 10 % and the other is 13 %. I do n't think students get enough help and we graduate to have three different loan payments. Navient has n't offered any solutions. I 'm going to try to find the paperwork with these high interest rates. Hopefully there is some way I can just have one private loan payment with a lower interest rate. My federal loans are 5 % so that 's great no complaints there. Please help. How do we get private loans forgiven? How do we get private loans consolidated or my payments lowered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I made a deposit of XXXX, on XX/XX/XXXX I made another deposit for XXXX. Both deposits were held for 9 days and 10 days, none of the funds are currently available. I made another deposit on XX/XX/XXXX for XXXX, funds are still not available. Bank has refused access to my funds, barred me from entering a bank to make a withdrawal and have said they are closing my account in XXXX. My account balance was over XXXX on XXXX, yet my available balance on XXXX is showing XXXX, so I still have no access to my funds for paying bills or withdrawal. I want to withdraw my available balance and they are not allowing me access to my money.

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 2020-03-03
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The debt is already purchased by Midland Credit Management. I asked for a settlement. The company stated there is no settlement. Other debt management companies have this option. The company repeatedly stated there is no settlement. They continue to call and do not have leave messages. They called while I was at work. I ask for contact information and XXXX XXXX continued to ask " why do you need that information ''. They continue to threaten to send the account to " an attorney in my area ''. If they have not done so by now, I doubt they will. They use traditional scare tactics and call from noisy environments. During the phone calls, I can hear other people speak and phones ringing in the background. This is very unprofessional.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
I have been disputing items on my credit report with all 3 of the bureaus and NONE of them have responded to me. I sent letters as far back as XXXX and have yet to receive a single correspondence from them for those disputes I did. I understand that there is a delay due to the pandemic but we are all going through it and under the law they still have to respond! There are still inaccurate items on my credit file that need to be removed and I need them to do their part and remove the items I have disputed from my credit file.

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 2018-03-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/XXXX the XXXX XXXX, FL courts order XXXX XXXX   to remove the debt they had reported on my credit profile to be removed. I contact Equifax three times and provide documentation on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. All three times I received notice that they could not remove this debt off my profile. WHY! I have a court order stating it needs to come off. What else do I have to do to resolve this?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-03
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Commenity Capital Bank has been calling my home five times a day for MONTHS, in regard to a small credit card debt XXXX {$540.00} XXXX. They have threatened me with lawsuits. They called my husband twice and told him about the debt and the name of the credit card. They called my DAUGHTER last week, again mentioning the debt and the name of my credit card. I have the voice mail to prove it, as she forwarded it to me. The second time they called my husband and also my daughter, was Wednesday XX/XX/XXXX. I called the gentleman back, his name was XXXX, very upset about him contacting my husband and daughter. I told him I was going to file a complaint against them, and his response was " We're a XXXX dollar company. Do you think your complaint means anything? ". When I asked how he got my daughter 's number, he said we have a lot of people working in the background and they can get anything they want. I then told him that from now on I wanted all communication to be in writing, he hung up on me. He was very rude, also telling me I deal with people like you all the time, you don't bother me. Since telling them on XX/XX/XXXX that I want all communication to be in writing, I am still receiving calls, I've gotten three in the last two hours. One left a message from Commenity bank again, one had no one ( that spoke ) on the other end, The first call came less than an hour after requesting written communication only- it was a woman speaking XXXX, I believe. I need the phone calls and the harassment to end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-30
Company: AmeriCollect
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Someone claiming to be calling from Americollect keeps calling my job asking to speak with me, and leaving me voicemail messages regarding a medical debt. They have been calling several times a week for at least the past year ( XXXX - XXXX ). I have contacted them in the past and asked for an itemized bill regarding the debt they claim I owe. They told me how much it is verbally but I have not received the bill to review and possibly dispute. I have asked them not to call my job and to remove any work numbers they have for me including XXXX, XXXX, XXXX and to only contact me via my cell phone number I provided them XXXX. I really don't want to talk to them at this point what I would like is an itemized bill to review to determine if I truly owe the debt they are calling me about, until then I would appreciate if they stop calling me because at this point it is stressing me out. I am a supervisor and my staff are receiving these calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
The Transunion Corporation is violating my rights to an honest and true credit report by reporting to the public records section of my file and outdated and inaccurate tax lien that was made in error many years ago. The filed date is incorrect and the item does not include the lien removal slip which was granted by the judge following my attorney adamant appeal at the debt placed against me by the State Tax Franchise board of California. I have asked this information to be verified and have forwarded my tax removal slip to the bureau to be propeller verified and I requested a full and complete report domineering their pruderies and desciprtion during this reinvestigation process nearly 6 months ago and have been provided with ABSOLUTELY NOTHING! I am infuriated and disgusted by this poor attempt at a reinvestigation in my part and have become utterly anxious at the way my credit report is currently being reflected. It is not 100 % accurately because of this tax liens and the mis information it contains and i have been denied a lawful investigation. I have waited past the 30 day mark threefold of a time an don longer will wait for anything to be verified. I will not give this bureau anymore chanced to validate or verify anything. I have had enough and they are required by law, to follow the law, an removed tax lien ... XXXX from my records. It is their responsibility to validate this and they have NOT and it is their responsibility to provide me procedures and the descriptions and they have NOT. Why do i have NOTHING from this company and yet they are allowed to still report this? Why is it that i have mailed them every piece of document i can and the XXXX XXXX recorders office claims that they have receive don calls or validation requests from this bureau? What is it that has validated this? No one and nothing! They claim to use a 3rd party vendor and REFUSE to disclose anything about who they are and how they operate and validate consumer information. I will NOT rely on a 3rd party vendor with my financial life on the line, that is insane and not fair nor is this acceptable. Is this vendor certified? Is this vendor in the United States? Is this vendor knowledgable in the XXXX XXXX court systems? DO they have full and complete access to my report and all of my appeals and court records? When was this Vendor last certified and is their software up to date and FCRA certified and compatible with the law and guidelines? I WOULD NOT KNOW BECAUSE THIS VENDOR IS A MYSTERY AND THIS VENDOR IS RUINING MY LIFE!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I have contacted Transunion 3 times to change my address and update it and I have faxed them 3 times with the required documents regarding my new address and with a copy of my id card attached with proof of my address and they still will not give me my credit report or change my address on my account I have done all I can to give them proper documents please help 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 explanation
Consumer complaint received 2016-12-23
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have had a collection reappearing on my credit report that was settled through in house financial aid at the facility this debt originated from. This prior to any collection or charge off appearing on my credit. This is a bad debt that has been shopped to many collection agencies and is becoming an extreme burden to the point of harassment for me to continuously be finding illegitimate debts appearing in the form of collections on my credit reports at all the reporting agencies. This is a debt that I have had to have removed from all of my credit reports from all XXXX agencies, multiple instances, from multiple collection companies and again am put into a position where I must dispute information on my reports which I have already had previously removed. This being the fifth time I must dispute this same bad debt. Upon attempting to dispute on this occasion Equifax has made it increasingly difficult for me to dispute this debt as they now will not let me access the online dispute system and are forcing me to fax my dispute with a copy of my identification in order to file a dispute. This is extremely tedious and something I should not be forced to do seeing as though this bad debt should not be allowed to be continually allowed to be reinserted into my credit file. They are the same debt shopped to different collection agencies ; sometimes even the same collection agency with slight different names or names with acronyms instead of the full company name. These are dishonest practices and this has come to an extreme point where I feel it necessary to involve an outside agency in hopes this debt will not keep unacceptably reappearing on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
my relia card account has been locked for a week..i have bills to pay and kids to feed ... i need my account unlocked ASAP

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 2020-09-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XX/XX/2020, I closed out a HELOC and I was supposed to get a refund of {$240.00} for the principal that I had paid. Bank of America has not refunded me. Today is XX/XX/2020. I have called them, went to meet with them and all they have said that a refund check was mailed to me on XX/XX/2020. I have not received that check. on XXXX XXXX, they stated on a call with them that they would investigate the lost check adn reissue the check. XXXX, who I spoke to gave me a case number # XXXX. I am on hold waiting to speak to a representative right now and have been on hold for over 40 mins. I don't know what to do to get my money back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I had a loan with HSBC for a house I owned. Because of unforeseen circumstances we had to process a died in lieu on my property. This was back in XXXX. I processed and signed everything. Fast forward and I have tired to get a loan on a home and was told I had a forclosure. After many phone calls and research it turns out that HSBC never finished the process of the died in lieu. I even spoke to the lawyer that HSBC used and they verified that the bank just stopped responding to them. So because of that i am unable to purchase a home until XXXX of XXXX. We went back thru the entire process of the died in liue and submitted again ad finally dont correctly. The bank had nothing to offer, even apologizes, as this was their fault and my family left without being to buy a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax is the only company that repeatedly says I do not know my own information, therefore refuses to allow me to access my account online to be able to dispute inaccurate information. Disputed information with XXXX zero problems. Equifax asks verification questions I am answering correctly, yet they say it " does n't match their records. '' This is done purposely, and is fraud. XXXX of the questions they asked were about a mortgage I 've never owned. Answered None of the Above. XXXX was about the auto loan I just paid off. Answered that correctly. XXXX was about a credit card opened. Answered it correctly. So you see despite giving the correct information, Equifax refuses to allow you to dispute inaccuracies easily in the same fashion as everyone else. PUT THEM OUT OF BUSINESS!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX XXXX scammed me out of money. She was hired to provide services and she didnt do it. By the time I realized she was a fraud it was too late. She told me several times she would refund my money back but she have not done it. She told me I had to wait 189 days to receive a refund. She committed Fraud by Deception and breached our oral contract agreement. She stopped communicating with me and blocked me. She refused to give me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Issue: Advertising and marketing

Complaint:
I 'm contacting the CFPB as my final resort as I 've been contacting Amex numerous times regarding my Platinum Card which I was approved on XXXX XXXX, 2016. The promotional offer associated with the application included receiving XXXX Membership Rewards ( MR ) points after making {$3000.00} in eligible purchases on the card in the first three months of Card Membership which I did. I have a legitimate business and use several credit cards to spread out my expenses and have a track of them. I also use them for my personal consumption and have always been a good customer in that regards as I 've never had a single collection or missed payment. Amex ( American express ) has stated to me that the reason why I had a XXXX clawback is because I had returned items. I 've explained that I 've made purchases for more than the required {$3000.00} spend and that even with the returns, it still counted for the promotional offer. As our phone conversations are always recorded, amex could easily listen to them and hear that the first agent that opened a case acknowledge that even with the returns, I should of been entitled to those bonus points. A few weeks after, I called back to check on the status and an agent said that it was n't due to returns but also because of spending ineligibility. I would like for amex to prove how would those spending be ineligible. It seems that they are trying to deny my bonus for any reason they seem to have on the day of calling. Furthermore, I must say that my points were not redeemable for any partner transfer and were locked and frozen and that I had to wait 6-8 weeks before getting an answer on my case ( which ended being much longer than that as my points were taken back on XXXX when I had originally applied on the XXXX, so 14 weeks total, another promise that was not fulfilled from Amex. I am simply requesting to have those points back into my account as I was advertised. 
Thank you

Company response to consumer: Closed with explanation