BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I went to chase bank on XXXX/XXXX/2015, I made a cash deposit for {$5000.00} cash. I did not bring my bank card but I gave my California ID to the teller. I filled out the deposit slip. 
But on XXXX XXXX, 2015 I checked my balance online and I noticed the deposit never made it to my account. By this point I did lose my receipt. I went back to the bank and asked one of the cashers to check my deposit and she said I had never deposited the {$5000.00}. When I asked to talk with their assistant manager she did not appear to give me any support to do so. She then said was going to check later and promised to call me but she never did. The next morning I sent my wife to give them my business card and tell the manger that I really needed her to call me. XXXX hours later the branch manager called me and said they looked in the system and could not find anything. So now I went back on the XXXX/XXXX/2015 to talk again with the assistant manager and she told me they spent a lot of time and did not have any record that I was there and made the deposit on that date. I told her I would come back on XXXX XXXX, 2015 to give her 3 more days to check, but I went to the bank today XXXX/XXXX/2015 to try to fill out a deposit of just {$20.00} so I could see if they put the money in a wrong account. To my surprise, not only could I not do the deposit, the teller also told me that they have XXXX XXXX in the system and did not know which one I was because I did not exist in their system. Even though I had my ID with me. I told him I wanted to talk with the manager and waited for her. When she talked with me I told her what had just happened and I asked why now that I 'm just depositing {$20.00} they could n't find me in the system? But when I brought my {$5000.00} it was not a problem. She looked in the computer and said they had no record of my account with the Chase bank, but I have a bank card. Then she later said they found me and I noticed they had the wrong social security number in the computer and she fixed it and confirmed I was in the system. I asked for the bank manager to give me the regional managers number and she told me that they did not have it. Then she just asked for my email and she was going to send him an email with my information. It is weird to me that they have a supervisor and do n't have not her number or her information to give to me. I am no longer comfortable with the way this particular branch is handling my money, and I fear that they are tampering with my information in the system.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2020-03-23
Company: M&T BANK CORPORATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
After speaking with an attorney who identified himself as XXXX XXXX of XXXX XXXX about an inheritance document ( that was later found to be forged along with death certificates and notarized court documents ) ..I then realized that he stole the identity and letterhead of the actual XXXX XXXX as I called the correct office of the real attorney who I thought I was dealing with. The real XXXX XXXX told me it was not him and I was involved in a scam. Along with the stolen identity of the attorney was another party who pretended to be a bank audit department head ( XXXX XXXX of XXXX XXXX  in the XXXX ) using the exact same letterhead and phone exchange as the real XXXX XXXX   in the XXXX. 
Before I realized all this they had me wire funds ( {$7700.00} on XX/XX/20 and {$31000.00} on XX/XX/20 ) to their so called domestic trust account at M and T Bank at XXXX XXXX XXXX in XXXX MD. The name on this account was XXXX XXXX XXXX and account # XXXX. 
Upon realizing this fraud I went to my bank ( XXXX XXXX  ) and had them order a reverse and stop transfer of fund request and told M & T to investigate these transactions due to fraud but my bank or myself has yet to hear from them. I reported this to the FBI as well as local authorities

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 2016-06-08
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I was a student at XXXX -- and I believe I was a victim of fraud or other violations of state law by the school, and I wish to file a claim for " borrower defense to repayment. '' I was promised a guarantee of what my salary would be and the types of jobs that would be open to me. I have not found any job that pays even half of what I was promised and I am unable to pay for my student loans, my credit has been severely damaged because of this, I am unable to purchase a home, or a car. The entire situation has caused extreme hardship for myself and my wife. I was promised a better life, which the complete opposite has happened after my attendance, we suffer everyday because of my attendance at XXXX. The recruiter came to my home and lied about the school, what would happen and even how long it would take for me to complete my education. 

I attended XXXX at the XXXX XXXX campus beginning XX/XX/XXXX - XX/XX/XXXX My information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My Citibank checking account is showing as " Blocked '' on the online portal and in the mobile app. I received no notification through email, text, or mail. I contacted customer service through the in-app chat and was asked to contact the Fraud department via phone. I made 2 different phone calls to XXXX and spoke with 2 different customer service representatives on XX/XX/22. I was told that the account is referred for closure and that I will receive a check in the mail in 60 days. This is my primary checking account and I have more than $ XXXX on deposit in this account. I need access to these funds to pay for taxes due XX/XX/XXXX, as well as other regular bills ( mortgage, credit cards, etc. ). Not having access to these funds for 60 days will cause significant financial harm. When I asked if there was a way to expedite the account closure and check issuance, the customer service representatives said that there was nothing they could do to assist me and that they couldn't provide any more information, then they immediately ended the call.

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 2020-03-23
Company: CREDIT ACCEPTANCE CORPORATION
State: MO
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: Problem with personal statement of dispute

Complaint:
THIS COMPANY HAS TAKEN THE TIME TO DAMAGE MY CREDIT DURING A NATURAL DISASTER. REPORTING 30 DAYS LATE & REMOVING THE CORRECT STATUS DUE TO THE COVID19. ALSO REPORTING THIS JOINT DEBT AS A INDIVIDUAL DEBT WHEN ALL THEY HAVE IS A JOINT CONTRACT. THE OTHER PARTY FILED BANKRUPTCY BUT NAME ISN'T REMOVED FROM THE CONTRACT FOR WHICH I AM STILL CONSIDERED RESPONSIBLE. THE STATUS OF THE ACCOUNT WAS CHANGED SO THEY COULD ONLY REPORT TO MY CREDIT. NO WHERE IN THE CONTRACT DOES IT STATE IF ONE PARTY FILES BANKRUPTCY THIS ACCOUNT CAN BE REPORTED TO ONE INDIVIDUAL. I AM REQUESTING THIS FIXED ASAP AND THE LATE PAYMENTS REMOVED. ALSO ACCOUNT TO BE PLACED BACK UNDER A NATURAL DISASTER.

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 2019-10-21
Company: Experian Information Solutions Inc.
State: PA
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:
Account Info Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms Balance Credit Limit {$0.00} {$5000.00} Payment Info Status Paid, was a charge-off Updated on XX/XX/XXXX Past due amount - Highest balance - Monthly payment - You've made 88 % of your payments on time for this account. 

Account is still reporting as an open account under the three agencies.

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 2020-03-23
Company: EQUIFAX, INC.
State: IL
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: BB&T CORPORATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
When we opened our account, we were told by the branch manager that the XXXX {$100.00} of each check deposit into our business account would be made available the same day. We made XXXX separate deposits at the same time and was able to log in online to see that we indeed had XXXX, {$100.00} hundred dollar pending transactions. Overnight, BB & T reveresed XXXX of the {$100.00} deposits charging us overdraft fees. This occurred on XXXX/XXXX/15. If the bank actually receives and deposit clears the same day, then the funds should also post the same day. Check XXXX should work both ways and for the consumer and not just against the consumer. 

BB & T back dates deposits creating confusion. For instance, if I make a deposit on XXXX/XXXX/15 for {$500.00} but only the XXXX {$100.00} is made available that day, then both online and the statement should read deposit of {$100.00} on XXXX/XXXX/15 and {$400.00} on XXXX/XXXX/15. We believe that deposits are actually cleared and posted on the same day but not credited.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Atlanticus Services Corporation
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Under the FCRA 15 USC 1681 section 602, my rights to privacy have been violated by XXXX XXXX, Atlanticus, Fortiva, by putting late payments on my credit report due to improper use of my credit report.under 15 USC 166B section 2. I have written to all credit bureaus to show I did not consent to several companies pulling credit checks which is fraud such as XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX which were all done on XXXX XXXX. I had a deal with XXXX XXXX with no money down already approved

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 never applied for credit with XXXXXXXX XXXX. I was in XXXX XXXX in 2016. I would never qualify for credit. The only loans I have are for two federal student loans. I went to apply for a car loan, and they told me that I had a loan that was charged off. Again, I have never entered into any formal agreement with this bank. I demand this information be deleted immediately. I am also notifying the Colorado Attorney General 's office. This matter is causing me tremendous emotional grief and distress. 

Thank you for assisting me in this matter.

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 2022-03-28
Company: DISCOVER BANK
State: KS
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:
In XXXX Discover Card called me about an overdue balance to a card I never applied for. The account was closed, I talked to the fraud department, and was then informed that the statements were being emailed to XXXX XXXX XXXX XXXX. I told the fraud department I would get back with them so I could look into this matter. She admitted that she had applied for the Discover Card in my name but without my knowledge. I called the fraud department back and told them at that time I did not want to charge her with fraud due to her being XXXX XXXX XXXX XXXX. The balance was {$6000.00}.? and I paid around {$4000.00} to make the balance to be {$2400.00}. Thinking the account was closed, I set up payment arrangements to pay on the remaining {$2400.00}, not realizing that the statements were still being emailed to XXXX XXXX XXXX XXXX. I received another call from Discover Card several months later stating I owe them around {$10000.00} now. Discover Card re-instated the card, without my knowledge, allowing her to keep committing fraud against me. I have been paying on this account for XXXX  years now, and arguing with Discover Card about this fraudulent activity and their mistake of re-instating this card without my knowledge. A letter was sent from my lawyer to Discover Card and still have not heard back from company regarding this letter. My lawyer said I should contact you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-10
Company: Merchants and Medical Credit Corporation, Inc.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I called and advised them it was not a valid debt & that I was suing the creditor. I asked for validation of the amount because it was inaccurate. Within a week, without validating the debt the collection agency reported it to credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-14
Company: SYNCHRONY FINANCIAL
State: MO
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:
Amazon store credit card was open back in XXXX  and purchase were made. Synchrony Has failed to send me any statement are correspondence regarding the account I have reached out to them to them regarding not getting any information and was advise they will resend my statement and the Amazon store card information still have not received anything now account is in collection and having adverse effect on my credit report I have made a payment to the collection agency but I feel it is unfair to have account in collection and on my credit report

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 2022-10-26
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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 purpose.

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 2016-03-23
Company: Rocket Mortgage, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I built my house in 1992 and refinanced a 6.78 to a 4.3 with Quicken Loans I did not take any money out just wanted to get a better interest rate. I explained that I had 10 years on my current note and did not want to do another new loan and I had a conventional. When I received my paperwork after the closing they had transferred my conventional into an FHA and I was charged with PMI ..I never had to pay PMI on my first loan and they did not appraise my home for the proper size and rooms. I was told they DO NOT consider basements as part of the home but my basement is open and has a full bath, bedroom TV room and weight room. Quicken Loans told me I would have to wait until the 5 years of PMI was paid before I could do anything and now it is complete but I am still locked into a new 30 year loan which means I will be paying on my home for 60 years. This is atrocious in so many ways and I was told by the my loan director director that I could appeal after the 1st year but he quit and I could not get anyone to talk to me about what they had done I should have been notified before closing that my loan was being taken from the conventional to the FHA they just transferred without my knowledge. I was told also that I would be refunded on my credit card the {$500.00} that I had to put down but that never happened either. I am filing this complaint because I was deceived and now I am stuck in another 30 year loan on a home I built in 1992. My house is XXXX square feet and they only appraised XXXX square ft. and that is why they charged me with the PMI I have never been late on my house note and they had no right to transfer my loan and charge me with 5 years of PMI on a house that was 20 years old. Quicken Loans should be liable for what they have done on my loan and I am asking for your help in having my note re-written as I would have had only 5 more years to pay on my home. Regards XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: Sands Recovery Group
State: RI
Product: Payday loan
Issue: Can't contact lender

Complaint:
Should be marked as other. Mainly, Sands Recovery is a debt buyer who has chosen a path of purchasing debt accounts without properly validating such debts. There is no debt here, no chain of title back to the lender. It is unclear if they sold the debt or assigned it to a separate company for servicing. Sands and XXXX XXXX XXXX should be looked into for not validating the accounts prior to selling to the next entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: Total Card, Inc.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
XXXX XXXX debt of {$300.00} ending in account # XXXX was discharged in Chapter XXXX Bankruptcy in 2011. XXXX has sold the debt to several debt collectors since and it is erroneously reporting on my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting and XXXX  Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A.States I have the right to privacy 15 U.S.C 1681 section 604 Section2 : It also a consumer reporting agency can not furnish an account without my written instructions.

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