BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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. 

TRANUNION received this complaint on XX/XX/2022 and didn't complete their investigation until XX/XX/2022 and according to the Fair credit reporting act if the investigation takes longer than 30 days the disputed information must be removed from 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 non-monetary relief
Consumer complaint received 2020-06-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Transaction : XX/XX/2020 {$12.00} Maintenance fee charged - ; Balance was over {$1500.00} Transaction XX/XX/2020 {$12.00} Maintenance fee charged - ; Balance was over {$1500.00} According to the written policy set by the business, the customer is NOT supposed to be charged a {$12.00} maintenance fee when the account balance is {$1500.00} or larger. 

XXXX XXXX XXXX XXXX  Regulatory Complaints Bank of America XXXX, extension : XXXX XXXX- XXXX A complaint with XXXX XXXX XXXX was filed on XXXX Business retaliated by referring me to its debt collector. The debt collector XXXX XXXX never answers his phonecalls. I am playing phone tag because the delegated rep never answers his phone during his posted business hours. 

The business assigned a rep XXXX XXXX who NEVER answers his phone during his posted hours. I am being forced to play " phone tag. '' His phone is set on " Do not disturb '' mode. I have left more than 6 voicemails and 2 emails asking the business to reverse the {$12.00} maintenance fee posted on XX/XX/2020 on my account. I do NOT know why the business rep Mr. XXXX keeps leaving voicemail when I am very busy. He just needs to look at my account and he will see the maintenance that was charged in error. My balance was over {$1500.00}. I presented the documents proving the error to the Attorney General and the XXXX XXXX XXXX Yet the business will NOT correct the error and still has Mr. XXXX leave voicemails when I am very busy. When I phone him, his phone is on DO NOT DISTURB mode. Why do I have to keep playing phone tag with the business? I am asking for assistance because I can not afford to play more phone tag with the business. 




Filed against : Bank of America Complaint Description : Business charged me fees. My balance was over {$1500.00}, which means the BOTH {$12.00} maintenance fees should have been waived. 

Your Desired Resolution : Business must refund {$12.00} to reverse the erroneous fee charged on XX/XX/2020 and stop charging maintenance fees.Business must follow its own written policies. Business needs to resolve the situation with a qualified rep who answers his phone during his working hours.

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 2018-05-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
i made a deposit to my chase bank through the atm machine and my funds were withheld all of them.

i made a deposit on the same bank through mobile and it was cleared a day after. the checks concerned are both the same from my employer.

how come there is a hold on t his one? all of my funds of {$2700.00} were withheld.

emailed the banks several times and got conflicting responses. first, i was told there is no hold.

second, there is a hold.

I would like to request that holds will be done on my check/s I should be given the option to cancel my deposit at the atm machine so that i can just encashed it at the bank where the check was drawn.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have contacted the reporting which is XXXX XXXX numerous times going back as far as XXXX/XXXX/15 regarding a hard inquiry on all XXXX credit reports.They stated that it was a soft inquiry which turned out to be false. I talked to XXXX XXXX XXXX XXXX/XXXX/15 XXXX again and talk to a rep named XXXX -id # XXXX. I gave her all information stating it was reported incorrectly and had copies to show that. she then stated that she would have XXXX XXXX removed all hard inquiries. I received updated credit reports and it still was not corrected. i tried calling 4 times after that and XXXX XXXX refused to acknowledge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
The companies are reporting inaccurate information

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 2019-07-08
Company: National Credit Adjusters, LLC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was paid. I do not owe national credit adjusters or XXXX XXXX XXXX. The date is XX/XX/2018 XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have made several calls to Wells Fargo to inquire about their FHA mortgage loan requirements explaining each time I called that I had a bankruptcy in 2011 and a shortsale 2 years ago in XXXX. I was told that their requirements were that two years needed to pass for approval. After I filled out the online application including all my personal and financial information the same person that had told me about the two years called me to tell me that the requirements for FHA loans are three years. I do n't feel this was done in error I feel that they will use my personal and financial information for their illegal purposes.

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 2017-03-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I filed a dispute with Experian against XXXX, they removed this item in XX/XX/XXXX They reinserted this item XX/XX/2017. The original creditor nor the collection agency could not/would not validate the debt.

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 2017-02-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
SPS ombudsman is refusing to give us a modification again after give us one!!!! XXXX is holder of our note and after govt fine they will still not help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
refuse to send 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 non-monetary relief
Consumer complaint received 2022-07-22
Company: EQUIFAX, INC.
State: NJ
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 Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX  XXXX Account # XXXX, XXXXXXXX XXXX XXXXXXXX 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 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
The companies are reporting inaccurate information

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 2019-12-20
Company: Experian Information Solutions Inc.
State: NV
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$700.00}, {$330.00}, {$190.00}, {$54.00}, {$210.00}, {$22.00}, {$1600.00}, {$190.00}, {$

870.00}, {$83.00}, {$1800.00}. I am a victim of Identity theft, and I did not
make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$700.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$330.00} -This is not my account. 


-- COLLECTION ACCOUNTS -- 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$190.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$54.00} -This is not my account. 

5. XXXX  XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$210.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$22.00} -This is not my account. 

7. XXXX XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1600.00} -This is not my account. 

8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$190.00} -This is not my account. 

9. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$870.00} -This is not my account. 

10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$83.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1800.00} -This is not my account.

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 2022-07-22
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Hello, my name is XXXX. I am writing in regards to my personal information being used to open accounts with credit grantors without my knowledge or authorization. This is the second complaint I am filing because the first complaint claimed these fraudulent accounts where indeed not my accounts and they'll be removed, yet they haven't. I am now requesting for these accounts to get blocked and deleted off my report ASAP. I have spoken to all the companies involved and they've sent me letters stating these are not my account and they've also verified that these items are to identity theft. The following names are the accounts in which where opened using a fraudulent application which id like to block and delete. Thank you. 
XXXX XX/XX/XXXX XXXX {$1700.00} -XXXX XXXX XX/XX/XXXX XXXX {$12000.00} XXXX XXXX  XX/XX/XXXX XXXX {$12000.00} XXXX XXXX XX/XX/XXXX XXXX {$6600.00} -XXXX XXXX XXXXXXXX & XXXX XX/XX/XXXX XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$1000.00} These are all the accounts opened fraudulently. I am also being neglected a block and delete from the credit reporting agencies even when all my documents are valid and meet the FCRA requirements for account deletions in regards to identity theft.

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 2022-07-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Re : Check fraud. I wrote a check from my Wells Fargo checking account made payable to my landlord for payment of XX/XX/2021 rent. Landlord called to tell me he never received the check. I looked at my online account and the check was listed as cashed posted on XX/XX/2021 with two endorsements. The amount of the check was {$3000.00}. I went in person to my local Wells Fargo on XX/XX/2021 and submitted a Check Fraud Claim. I also went in person to the bank on XX/XX/XXXX with my landlord and submitted an Affidavit of Check Fraud signed in front of a Notary. The Wells Fargo representative told me I would hear back from a Wells investigator. I never heard back. I have called the bank many times but they are never able to give me any information. They tell me my case is still under investigation and that when they finish their investigation the money will either show up in my account or they will contact me. 
When will I receive a reimbursement?

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 2016-05-10
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Issue: Billing disputes

Complaint:
Continue case # XXXX. CHASE keep lying to CFPB because I phoned CHASE two times on XXXX 2015 to have them to stop any payment to XXXX in case XXXX filed charges from my credit card. Each time, CHASE 's representative promised me that CHASE will block all charges from XXXX in case XXXX might charge me in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I called and spoke with an Experian rep to put in a dispute against inaccurate information on my credit report, against XXXX XXXX XXXX acct # XXXX and XXXX XXXX acct # XXXX. Both are in a collections status for the same account, so they are duplicates of each other. Neither accounts are mine. I explained that to the rep and referenced my XXXX acct that was in good status, paid and never late, acct # XXXX ( see attachment ). I opened that account in XXXX 2006 and closed it some time ago. 
The Experian rep said I was added to the good status account by another cardholder, but could not tell me who. She was incorrect. I was the primary cardholder for that account and asked her to send proof of my being a secondary holder. She vowed to investigate with hesitation. 
When I received an updated credit report, after the dispute, my good standing account for XXXX ( XXXX ... ) was deleted from the report and the two negative accounts that duplicated themselves, XXXX XXXX ( XXXX ) and XXXX ( XXXX ) still remained. Experian sent no expalantion, no documentation, abused their powers and adjusted my credit report as they saw fit. 
Experian needs to delete the XXXX negative accts of XXXX XXXX and XXXX ( XXXX ... ) and add the good acct of XXXX ( ( XXXX ... ) back to 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 non-monetary relief
Consumer complaint received 2015-11-28
Company: BB&T CORPORATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Deposited XXXX $ into an ATM, it spit back XXXX $ the machine then ended the transaction with no credit to my account. Contacted bank ( BBT ) they started a review and then credited my account XXXX $ shorting me XXXX $

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of Identity theft this fraudulent XXXX account with an outstanding balance of {$300.00} was opened without my authorization.

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 2022-07-22
Company: EQUIFAX, INC.
State: NJ
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 Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX, XXXXEPT OF ED 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 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: FundLoans Capital
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Drop Mortgage has failed to provide a payment location and amount for a recent loan. This is on top of a disastrous loan process, coupled with shifting data and what can only be described as fraudulent practices at best. 

Their organization is among the most incompetent I have ever had the misfortune of working with. The front end loan folks do n't know what they need for underwriting compliance - even when you use a broker. Across the board everyone I spoke with claimed to be XXXX XXXX compliant. I pressed them for answers about what parts of XXXX they are compliant with, what did they do that was XXXX. They spew these terms without knowing any of the underlying requirements, deadlines, or documentation standards. 

When pressed they make up random answers about delays, new random pieces of paper they mysteriously need after the deadlines, and pick an accuse of the day. That is if you can get them to commit to a date to begin with, XXXX yeah right they sent me a " post consummation CD '' with a note stating " you do n't need to sign this we just wanted to let you know now that you have signed that everything changed BY more than {$30000.00}. I seriously had them tell me my docs would be ready in the morning for over 20 days, they even demanded me to cancel using XXXX because they were done ... only to not be done. 

Even after several layers of management, I was unable to find anyone that could give me a straight answer. In 20 plus years of buying / selling property I have never come across a more inept lending organization. 

Please for your own sake and that of your potential property do not use these clowns.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I started a loan modification with XXXX XXXX in 2011 which was supposed to combine a XXXX & XXXX. I was making payment under a trial period until they qualified me for the modification. XXXX months into the process they sold the loan to XXXX after 9 month of making payments which never reduced my principle balance and also they reported me late during the time I was making the agreed payments. SLS service called me and said they were starting foreclosure because I had n't made a payment in 9 months. I hired an attorney and all they agreed to do was start another modification. I agreed because I was afraid of losing my home.I was told I 'd only have XXXX mortgage so I assumed when XXXX sold the serving it included both the XXXX and XXXX because they were differing XXXX of the {$26000.00} I owed on the XXXX. Now the loan has been transferred once again to SPS and they are stating the deferred amount is {$24000.00} which is {$10000.00} more than I agreed to in the signed loan modification agreement with XXXX. My rate is 7 % so I 'm trying to refinance my loan with a lender I know. I 've been told I have XXXX liens against my property and XXXX of them was a XXXX from XXXX. I requested my note from SPS over 45 days ago and they still have n't provided it. XXXX reported to the credit bureaus ' that the original XXXX was paid and closed that is why I thought it was transfer to SLS and was the deferred portion of my current payoff. How can they do this? Say it 's paid and closed and refuse to provide me with a lien release. They are holding me hostage so I 'm not able to refinance to a lower rate. My complaint involves XXXX companies XXXX ( original lender ), XXXX ( XXXX servicer of my loan and loan modification provider ), SPS ( current servicer of my note which they have refused to provide in a timely manner and have added XXXX to the deferred portion of my payoff, which was not supposed to collect interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation