BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-11
Company: JPMORGAN CHASE & CO.
State: SC
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I tried to close my Chase savings act # XXXX in Early XX/XX/XXXX as we moved from XXXX XXXX XXXX XXXX, XXXX XXXX, IL : XXXX on XX/XX/XXXX. A change of address was filed after we moved with Chase Bank at the XXXX XXXX as well as our XXXX credit card accounts. The act had {$1000.00} in it and the rep from the bank said they could only mail me a check for less than {$1000.00} - bank policy. I instructed her to deduct {$15.00} and apply it to my chase credit card which they did. I also gave her my change of address again to XXXX XXXX XXXX, XXXX, SC XXXX. The account was officially closed on XX/XX/XXXX. I did not receive the {$990.00} from the bank by XX/XX/XXXX. They said it would take 30 days to officially close the act and send me the balance. Late XX/XX/XXXX I received a letter ( attached ) from the bank stating that they had sent my change of  address to both my old and new address as a precaution. It never came to my new address because THEIR REP wrote down XXXX XXXX XXXX, not XXXX XXXX XXXX. All the rest of my Chase address changes had gone thru so I said I don't understand why the savings act hadn't. They said they would have to do a review or I could go to a Chase branch and file all this info and get my money there. The are no Chase Banks in this part of SC so when I told them that they said it would go under review and would take another 30 days until my money was returned. It's now been over 60 days and I still have no money. Their bank policies are illegal - it is my money and if I were in XXXX I could have walked into the branch, closed the act and been paid on the spot! This is gross incompetancy on their part. The account has been closed since XX/XX/XXXX but I can't get my $ $ due to another bank policy which says it has to be reviewed AGAIN!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
TJMaxx Credit Card, I made a payment in full for {$82.00} on XX/XX/2019 it did not show as paid on my online account. It appears it posted later XX/XX/2019, however I paid again as it didn't show as paid. Once it did  appear I reversed the overpayment by stopping my bank from paying a second time. I also called TJMAxx CC to inform them to not process this second payment of {$82.00}. As a result I now have a credit of $ -XXXX. It would have been $ -XXXX. However by stopping overpayment only was a credit $ -XXXX. 
Today XX/XX/2019, I received a disturbing letter dated XX/XX/2019 from Synchrony Bank stating they decided to close my account : Reason for decision : the number of dishonor payments on this account. 
( 1 ) my bank reversed overpayment the TJMaxx agent I spoke to indicated there was no record of me speaking with a TJMaxx agent upon realizing I overpaid. I did speak with their agent. However appears nothing was noted. 

I called today spoke with XXXX and escalated to XXXX. They continued to tell me due to the " dishonored payments '' they could not reverse. Even though they agreed it would be an overpayment. As my account now indicates a credit of $ -XXXX. 

Originally this CC was unsolicited and sent to me while they took it upon themselves to close my original TJMaxx Rewards card and replace with the current credit card. Not my choice. My TJmaxx cards have always been paid in full every month. Never carried a balance. In addition I had earned numerous reward certificates for purchases that are now invalidated due to their decision to close this account on the basis of me stopping an overpayment to this credit card. 

Complaint : 1. Closing my account based on overpayment 2. Invalidating reward certificates earned due to closing my account Please advise. As I like many work very hard to make my payments and pay most cards in full to avoid the unreasonable APR fees. I am upset as this affects my credit rating and I loose rewards earned. 

Thank you 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 2020-06-21
Company: Army and Air Force Exchange Service
State: NY
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 am a XXXX in the XXXX XXXX, and applied for an Army & Air Force Exchange credit card ( Military Star Card ) inXX/XX/XXXX. Due to bureaucratic issues beyond my control, the physical card itself didn't reach me in the mail, ( I was able to use it for purchases through a temporary print-out number, ) nor did any statements/bills. 

Due to this, I had a one-time missed payment, ( again, I wasn't receiving notice of it, ) and I did pay the full balance off on XX/XX/2019. I now have maintained a balance of {$0.00} on that card since then. 

I still see that this missed payment is on my credit report, bringing my on-time payments from 100 % to 99 %.

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 2022-10-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
On XX/XX/2022. I have reached out to USAA to see if my amount on the credit card that was opened up with out my consent has been resolved. They told me that it has not and that the only way it would be resolved is if there is a police report on the fraud. However, USAA states that they have a XXXX liability for service remember experiencing fraudulent transactions. The entire card and what is owed is not m doing. Someone stole my identity and I am not responsible for paying back the amount owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Bank of America XXXX XXXX XXXX XXXX XXXX XXXX, New York ; ; Is refusing to help customer Made fun of their outfit I demand a response I wish to prosecute this person For Public Intimidation and Humiliation XXXX Event

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 2020-06-21
Company: EQUIFAX, INC.
State: AR
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:
On XXXX I mailed out 3 separate dispute letters including an identity theft affidavit to XXXX, Equifax, and XXXX. It has been over 30 days I haven't received any correspondence from neither of the credit bureaus regarding my dispute. As per the Fair Credit Reporting Act 15 U.S. Code 1681i no reasonable investigation has been conducted due to the  inaccurate fraudulent information appearing on my credit file neither Prompt notice of dispute to furnisher of information before the expiration of the 5 business day period on the date it was received. The bureaus continuously violate my consumer rights by reporting inaccurate fraudulent information on my credit file and must be held accountable. XXXX, US Dept of Education, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, and XXXX are some of the fraudulent accounts th.at were opened due to my identity being compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: EQUIFAX, INC.
State: FL
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:
The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX and Equifax credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX  XXXX Open Date XX/XX/XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: GMA Investments, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
A company calling themselves SUMMIT RECEIVEABLES will NOT stop calling and harassing me or my XXXX year old parents.
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They use threatening language and say I owe them money when I do not.
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XXXX XXXX XXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Credit card
Issue: Rewards

Complaint:
I used rewards I had earned to pay off my balance to {$0.00}. I am now being charged with an interest charged because statement credits are not the same as payments. My balance was {$0.00}. How could I pay more?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-10
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX, a fraud charge was placed in my card ending XXXX as amount {$4400.00}. At the same day, I noticed the charge and called customer service immediately to inform this is not made by me. The representative closed my account and sent me a new card ending XXXX and informed they will take care of the fraudulent charge. Later on, a temp credit was issued to my account. About 10 days later, they decided to close my dispute without telling me. And reversed my temp credit card. Once I found out, I called their security team immediately and asked why. They said they thought it was made by me and reopened the case for me. But no temp credits was issued. Fast forward, on XXXX, they told me this time the case was officially closed and it is indeed fraudulent charge. A credit will be issued to me. However I have not received any since then and I will be starting to paying interests for a confirmed fraudulent charge soon. I called customer service more than 5 times to inquiry the progress of credits and they keep telling me I should get it now. But the truth is I have NOT. 
I did my own investigation, seems like Citi is notorious for not returning fraudulent charge. Several posts in XXXX have complained about that as well. Some posters recommended me to file a complaint to get their attention.

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 2020-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
On XXXX I mailed out 3 separate dispute letters including an identity theft affidavit to Transunion, XXXX, and XXXX. It has been over 30 days I haven't received any correspondence from neither of the credit bureaus regarding my dispute. As per the Fair Credit Reporting Act 15 U.S. Code 1681i no reasonable investigation has been conducted due to the inaccurate fraudulent information appearing on my credit file neither Prompt notice of dispute to furnisher of information before the expiration of the 5 business day period on the date it was received. The bureaus continuously violate my consumer rights by reporting inaccurate fraudulent information on my credit file and must be held accountable. XXXX, US Dept of Education, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, and XXXX are some of the fraudulent accounts th.at were opened due to my identity being compromised.

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 2021-12-10
Company: General Motors Financial Company, Inc.
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: Their investigation did not fix an error on your report

Complaint:
It has beem 10 years that GMFINACIAL reported the account closed and paid and charge off I disputed to remove to XXXX, XXXX, and XXXX. The credit reporting agencies has not removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Experian Information Solutions Inc.
State: FL
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 XXXX XXXX XXXX Account # XXXX, has violated my rights. 
-XXXX XXXX XXXX CO Account # XXXX, has violated my rights. 
XXXX XXXX Account XXXX XXXX XXXX has violated my rights. 
XXXX XXXX Account # unknown, 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

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 2020-06-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX and my ssn is XXXX I have been reporting to capital one identify theft in XXXX when I was in XXXX a credit card in the amount of XXXX whats opened and I have been disputing its currently in collection

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-22
Company: CONTOUR MORTGAGE CORPORATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2019 I closed my refinance with Contour Mortgage. At the day of the closing some information changed XXXX cash out amount and amount paid for points ). I called the XXXX XXXX ( the mortgage specialist assisting me during the closing and he said everything was fine and he'll explain. 
The discrepancy in the payout amount according to XXXX was going to be refunded to me once the escrow account send out the balance left in the account to me. 

I contacted XXXX and his supervisor XXXX XXXX several times in an attempt to clarify what happened with the refund from the escrow account ( {$1200.00} Estm ) & {$500.00} gift card promised to me to cover the appraisal charge. I spoke several times with XXXX and nothing came about for either of the issues. 
I contacted the old bank who have my mortgage to find out if something was missing or if the have the balance. they indicated they account was clear and nothing was due back to me on their end. 
its been about six month since I refinance with Contour mortgage and I still waiting for a resolution to this issue. My attempts to find a solution with them have been unsuccessful and my calls are not being answered by either one of them. 

I hope through this mean I am able to find a resolution and a final answer to what it is owe to me by Contour Mortgage and a explanation as to what happened witht he difference in their final closing papers. 

Thank you. 

please feel free to contact me with any further questions

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-22
Company: DISCOVER BANK
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have a discover card that was opened with a credit limit of XXXX in XXXX of XXXX. I have never missed a payment on this account or any other account since this was opened. Since XXXX of XXXX I have bought a house, refinanced, as well as opened new accounts since XXXX of XXXX. 

Today XX/XX/XXXX I went to see if my last payment had posted to my account. To my surprise it said I only had XXXX available and my credit limit was XXXX. I thought my account had been had or it was a mistake. I contacted discover to only find out they had supposedly reevaluated my account and changed the limit to basically the balance on the card ( XXXX ). Please note I received on new statement on the XXXX stating my limit was XXXX, but they said a review also done on the XXXX and they adjusted to XXXX. 

This was done for 3 factors according to them - only pay miminum or close to the minimum - new accounts - seeking credit I have talked to the agents twice and it was stated there was nothing they could do. I can understand not increasing my limit but decreasing it to make it appear as the card was almost 100 % maxed out is ridiculous. This will affect my credit score for reducing my available credit as well increasing my credit usage. My credit score should not be dropped when I have done everything to keep this account and every account i have in good standing. This will have detrimental effects on my credit that I will have to find other ways to over come because of this shady business practice. 

If my life is never supposed to change to maintain a credit limit then this should be advised. Never mind during the middle of a Pandemic, this practice should be illegal as it significantly reduces my ability to ward off any financial hardship my family may face at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on XX/XX/19 i rote a chke to myself from my XXXX chk acct and deposited it to my wells fargo chk acct. on he XX/XX/19 the funds appeared om wells aro chk acct. not wanting to leave tha much in chk acct i from wells fargo online banking transferrd funds {$2500.00} ovrt to my savings acct. XX/XX/19 i chk my online wells fargo acct which should read $ 2800+ now reads {$400.00} XXXX a direct depost from that morning. i caaled wf several times to find out where my $ $ was and everythine got a different story from several people i spoke to. MyXXXX took the {$5000.00} from my account so wells fargo has it and refuses to put in my acct saying monies are being helf but cant tell me why or tell me the monies will be avaiable on the XXXX that is not accetable t e wells fargo has STOLEN my $ $ WF phone XXXX XXXX my case # XXXX please help ive written to your agency in the pass with not return call or enail i was ignored i'm hoping you dont repeat your history with me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-22
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ARS # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX placed a " Medical Collection '' for {$1800.00} on all three of my credit reports ( XXXX , XXXX XXXX XXXX ). I have no knowledge of any of this and attempted to have this removed from the credit agencies to no avail. I want to get this item removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: American Credit Acceptance, LLC
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:
I had a load with America credit acceptance. I was behind on some payment and made it known to them. Then for the past year play have been paying the payment in full and on time. I am still paying the payments each month. They have not reported that I have been continuing to pay the balance each month and stopped reporting in early 2019 when I still have the car loan through them and have been paying on time and am up to date that that is destroying my credit score. They havent updated it in a year and when I made a complaint they closed the account out which negatively effects my credit while  the loan is still with them. I just want its to be up to date so I can continue to improve my credit and they are doing everything they can to negatively impact it while I have been paying in full and on time for over a year.

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 2019-12-13
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XX/XX/XXXX
XXXX EST 
TALKED WITH A REPRESENTATIVE FROM EQUIFAX ABOUS A FRAUDULENT ACCOUNT OPEND IN MY NAME FRIM XXXX XXXX AND XXXX XXXX. I SENT IN A LETTER TO HAVE THE INFORMATION BLOCKED FROM MY CREDIT REPORT ACCORDING TO SECTION 605B OF THE FCRA. APPARENTLY AT EQUIFAX I WAS TOLD THEY DO NOT FOLLOW THIS LAW AND IT WOULD STAY ON AND SO A 30 DAY INVESTIGATION. WITHOUT  ANY EVIDENCE THIS ACCOUNT SHOULD BE BLOCKED FROM MY REPORT BUY EQIFAX REFUSES TO DO SO.

Company response to consumer: Closed with explanation