BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-16
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX, I had applied to HSBC Bank via XXXX XXXX XXXX <XXXX> mortgage loan XXXX for a cash out refinance loan on one of my investment properties located at XXXX XXXX XXXX, XXXX , FL XXXX . By XX/XX/XXXX, I was told that the file was sent to underwriting and the appraisal was ordered. However, as the mortgage went through underwriting, the bank decided that based on its overlays, that it could not underwrite the mortgage, as their overlays, which were not disclosed upfront, called for them to exclude the use of rental income on those properties that are not listed on a person 's tax statements for two years for verification of income. In my particular case, I only started acquiring properties as of XX/XX/XXXX, resulting in a lack of rental history for those houses on my taxes. This is contrary to XXXX   XXXX XXXX typical guidelines, which call for using 75 % of forecasted net revenue toward calculating income/losses. Other banks have subsequently been willing to underwrite mortgages for me for new acquisitions and refinancing. I'd brought this to the attention of HSBC, and Mrs. XXXX XXXX supervisor, XXXX XXXX XXXX, Mortgage Direct | Sales Manager, XXXX  | HSBC Bank USA, N. A., XXXX XXXX XXXX, XXXX, NY XXXX, NMLS ID # XXXX, Office : ( XXXX ) XXXX, Mobile : ( XXXX ) XXXX, XXXX had stated he'd be willing to review my file again, but has gone silent without any conclusive outcome. As of XX/XX/XXXX, he said, " I will review the file, to see what occurred here, and respond to you by Wednesday ( tomorrow ). '' On XX/XX/XXXX, he stated, " Just to update you, I have a few questions about the file after reviewing it that I asked the underwriter about, so will revert back when he does to me. '' I'd followed up with him as recently as XX/XX/XXXX, asking for a status update, and have yet to receive a response. I believe that a thorough proper review of my finances, which have two XXXX 's holding a total of 7 houses, along with currently six properties under my personal name, and other small items adjusted that were brought to HSBC 's attention, such as my accountant mistakenly listing 365 days of fair market use for the two houses I'd acquired rather than the actual 120 days ( approximately ), and using the 75 % of net income from leases, the loan in question could had been cash out refinanced. Perhaps not for the full 75 % LTV I'd requested, but most certainly at some percentage. I'd asked HSBC to offer relief in one of three ways : 1 ) Refund my appraisal fee ; 2 ) transfer my appraisal to another bank willing to underwrite the loan for me at no cost ; or 3 ) HSBC to review my file and offer to underwrite the mortgage at a LTV that's fair and accurate and works for both parties. They haven't offered relief in any of those three ways.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I applied on-line for a XXXX Chase credit card in XX/XX/2021. The Chase website application link for this credit advertised that upon completion of a $ XXXX spend within 90 days of account opening - I would receive XXXX XXXX points + additional points if I continued to spend on the card. ( see attachment of XXXX offer web page ). 
I never received the points so I contacted XXXX Customer Service 5 times and each time received the same response : ( no record of this offer ) They applied a {$300.00} credit on my account and a free night stay. No way near the value of the original offer. 
I then contacted the CEO and XXXX other executives and requested their help in resolving this issue. To date, I have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: EQUIFAX, INC.
State: IL
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 have contacted  XXXX   XXXX  wit h two lett ers, which first was mailed  XXXX   XXXX ,  2017  and second one on  XXXX   XXXX ,    2017 requesting Identity Theft Block in accordance with Section 605B of the FCRA and they clearly are refusing to block all the information I sent them by mail twice, with USPS Certified Mail with Return Receipt. They sent me a letter stating the declined due to eith er : a ) Been made in error, b ) is a misrepresentation of material fact relevant to the request to block. I have no idea what they mean in ( b ), but this definitely is not an error. I am a victim of identity theft and do n't understand what this is about. I want these block with accordance to Section  605B  of the FCRA.    XXXX   XXXX  is clearly violating my FCRA rights. I am uploading both letters I mailed them and the return receipts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
There has been over {$10000.00} in suspicious activity on a joint checking account I have with my mother. My mother is the primary account holder and she did not authorize any of the fraudulent activity. Many of these charges were made when she was alone and getting ill. I have no knowledge of these ACH, debit and credit transactions. The purchases varied in nature but many of them follow a pattern very consistent with fraudulent activity. Some of the transactions were for mail order goods billed directly to the account, some on an ongoing basis, but for goods never received at her address or mine. Most of the transactions were also completely inconsistent with my mother 's spending patterns over time. I do not use the account regularly and these purchases are also inconsistent with anything I have ever purchased.     I filed a complaint wit h Capital One  Bank about the fraudulent activity. They did issue complaint case numbers and supposedly investigated, however, the results of that investigation have not been meaningful or even minimally transparent. Their lack of real assistance in this matter leads me to believe they provide no real protection to their customers, especially those who may be particularly vulnerable to this type of fraud. She is on a fixed income with few financial resources. The failure of  Capital One  to conduct a thorough, transparent investigation and meaningful resolution is extremely frustrating.     Please help us get a resolution to this unauthorized activity with, hopefully, at least a partial credit of the funds. Although she has since had  a Conservator  appointed, he has no knowledge of these transactions and so can not provide any meaningful assistance. Thus, I am hopeful that CFPB can. ( Please note that I have put my home address on this complaint but her address with  Capital One a t the time was in Virginia. )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Experian Information Solutions Inc.
State: MI
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 have several fraudulent accounts listed on my credit report. I have listed them and also the police report. The first police report had an error. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANKRUPTCY XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-06-05
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: Was not notified of investigation status or results

Complaint:
This a simple complaint. I filed disputes to the credit bureaus in XX/XX/XXXX I received responses from XXXX XXXX and XXXX but never from Equifax. After about 4 months of waiting, I sent Equifax another dispute in XX/XX/XXXX. We are now in XXXX and again I have not received a response from Equifax. I have been waiting patiently for Equifax to do it 's job but I ca n't simply wait anymore. There are erroneous accounts that are preventing me from obtaining credit at a reasonable rate which XXXX XXXX and XXXX corrected months ago but Equifax will not do what it 's supposed to by law. The accounts are XXXX XXXX XXXX. XXXX of them in fact. I do not owe them nor XXXX XXXX any money. They need to complete an investigation as mandated by the F.C.R.A. and notify me of my results within 30 days. I am filing this complaint to you because I ca n't trust Equifax to do it 's job since they failed me twice already. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: Other

Complaint:
I was a member of  Citibank Visa f or 20 years. In  XXXX  I was making purchases using my credit card that were then put on another credit card # which I did n't actually own. The credit card that I was using did n't expire until  XXXX . I inquired about this and never got an answer. I also had pending charges that never carried over to the next month and there was n't any real way of knowing what had carried over since my balance was zero yet my purchases did n't add up to the total balance. I also inquired about this. I had to keep tracing things each month and it was frustrating. This pending situation was irritating but the charging  two  card # 's when I only owned  one credit card just did n't seem ethical. I canceled my membership with Citibank Visa  as a result.

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 2021-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I am disputing to remove ALL inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act.

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 2019-12-16
Company: EQUIFAX, INC.
State: GA
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 recently tried to purchase a new vehicle but was turned down due to several fraudulent accounts and inquiries add to my credit report. I contacted XXXX, XXXX  and Equifax to have the data removed but customer service refused to help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-29
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
the bank over charges me every time i draw from this account.i want all the {$5.00} fees refunded

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-29
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
in accordance with the fair credit reporting act XXXX  account # XXXX, has violated my right. 
15 USC 1681 section602 states i have the right to privacy.

15 USC 1681 section 604 a section 2 ; it also states a consumer reposting agency can not furnish a account without my written instruction.

15 USC 1666B ; A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: DISCOVER BANK
State: IN
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: Card was charged for something you did not purchase with the card

Complaint:
I am a victim of identity fraud. My Discover, XXXX XXXX and tax returns have been hacked. I have a pin # to use for the IRS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-16
Company: Experian Information Solutions Inc.
State: PA
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 had a XXXX  XXXX  auto loan that was included in my chapter XXXX   bankruptcy. I reported that the status was incorrect because after i rescinded my reaffirmation agreement on XX/XX/2019 the car was reentered into bankruptcy without penalty to me. I had a hearing on XX/XX/2019 and the decision letter from Judge XXXX  of the XXXX  District of PA officially declared that the auto loan agreement was rescinded. As well, the court docket of #XXXX could be viewed via pacer.gov. I have filed numerous complaints/dispute with all parties. Thanks to your assistance on a previous complaint, I was sent letters stating that this situation was resolved. However, when I log-in to Experian's: Total Credit Check membership site, the credit report and scores section states my 1)bankruptcy is still reported, 2) XXXX  XXXX  XXXX  XXXX  account is delinquent or past due; charged off; and current for the last month. All of this information is false and invalid due to my bankruptcy discharge as of XX/XX/2019.As well, I have a XXXX XXXX XXXX  old auto loan is reporting under their Credit Report and Scores section as charged off and negative. As well, I was told the public reporting of the Chapter XXXX   bankruptcy was removed or deleted. But that is not the case on the website.It is my opinion that Experian is refusing to change the information. I was thinking that XXXX XXXX  and XXXX XXXX XXXX was also complicit. However, your representative disclosed to me that prior complaints yielded a letter from XXXX  XXXX  stating they have cooperated completely.

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 2017-08-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I have a vehicle loan from Capital One Auto Finance that has fallen behind because I have not had a job since XX/XX/XXXX. I tried to get an extension earlier during the summer but they denied it and has since put the vehicle out for repossession with XXXX XXXX XXXX. On XX/XX/XXXX at XXXX XXXX I received a text message from my ex girlfriend, mind you we have been split up for almost a year, that an agent from XXXX XXXX XXXX came by her house and disclosed that my vehicle is out for repo. Now it is my understanding that a repo agent or debt collector is not allowed to disclose that there is a debt owed to a third party unless they are authorized by the debtor. I then received a call on XX/XX/XXXX at XXXX XXXX from an agent for the same company saying that " This is XXXX and that I am a civil process server in XXXX County and that I have some papers I need to deliver to you. '' This is also a direct violation of FDCPA rules because a debt collector or anyone that is employed to represent the debt collector is not allowed to deceitfully identify himself as someone representing any type of court , county, state, or federal employee in order to scare information out of the debtor. I have the voicemail as well as the text messages from my ex girlfriend verifying this information. I have no called the finance company or the repossession company back because I do not want to be verbally assaulted. If the repo company is willing to disclose debts with third parties and to pre text to deceitfully get information then I do n't know what else they are willing to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: Paypal Holdings, Inc
State: NE
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Helllo, I attempted to transfer money ( {$1600.00} ) from my PayPal account to my checking account on XX/XX/2019. However, I inadvertently sent it to a XXXX checking account I do not have access to. It's an active account but I am no longer listed as a user on the account and haven't been for over a year. When I realized the mistake I contacted PayPal ; the representative said that because the transfer was accepted by XXXX that I'd need to call XXXX to fix it on their end. So, I contacted XXXX. The XXXX representative said that because I do not have access to the checking account, there's nothing XXXX can do and it would need to be resolved with PayPal. 

I contacted both PayPal and XXXX additional times to relay what the other institution told me, without luck any time. Ive filed claims ( denied by PayPal, determined that it wasnt actually unauthorized activity ) and sent messages but both insist that it must be handled with the other institution. I also contacted the CFPB by phone but the representative said the only thing she could find was to contact PayPal, which of course, I've already done. 

The money didn't go to the intended recipient and I just want it to go back to originating account. I'm stuck and havent been able to find any potential resolution to recover the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I just opened an account with Citi in XX/XX/2019. In XX/XX/2019, just 3 months later, I logged onto my account to transfer a balance from another credit card to the Citi account. I was surprised to learn there was a payment overdue and late charges were added. I called Citi customer support and asked about the two charges and late fees. The two charges were linked to a "XXXX" account and I haven't had a XXXX account in years so I was suspicious of this activity and mentioned it to the representative. The representative seemed to understand my situation and tried to waive the late fees and issue a new credit card but was unsuccessful so he gave me a number to call and transferred me to the other department. This representative was also unsuccessful in trying to waive the late fees and transferred me to yet another dept. All I got from this call was a computer-generated message saying "fees cannot be waived" and the call disconnects. I filed a complaint with CFPB XXXX and the response XXXX XXXX was confusing. as a disclaimer was on the second page of the letter, leading me to believe that the letter was never signed by a representative of Citi. When I reviewed the letter again I noticed the representative's signature on page 3 and I also noticed her response was in regard to a "discrimination" complaint. Clearly Ms. XXXX never read my complaint as it was about possible fraudulent charges and subsequent late fees, but since Ms. XXXX mentions "discrimination" I would also like to file a "discrimination" complaint. Ms. XXXX goes on to say, "During our investigation into your concern about discrimination, we found our action on your account was consistent with other customers in similar situations". Unless Ms. XXXX can prove that Citi has a verifiable history of Senior Citizens that had potential fraudulent activity on their account and were never notified about monthly payments within the first 3 months of service, then I allege Citi discriminated against me because of my age. I was never notified of monthly payments, I do not have a XXXX XXXX account and the activity appears to be fraudulent. Despite being informed of my situation Citi has done nothing but charge late fees and I believe I am being discriminated against because of my age.

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 2019-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check from a company that I’ve worked before for the same amount in my Bank of America account. I did not have the option to not deposit due to a possible and it was received and placed on hold for seven business and that was all the money I had to my name.

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 2021-12-11
Company: EQUIFAX, INC.
State: CA
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:
I am disputing to remove ALL inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
REMOVE INCORRECT PERSONAL INFORMATION Please remove the following personal information that is showing for me which is incorrect : Incorrect Addresses XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX My correct current address is : XXXX XXXX XXXX XXXX XXXX, FL XXXX I have attached a copy of my drivers license as proof.

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