BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-26
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I had my account with chase for a while. I had stayed without a job for a short period during this pandemic. The bank started to charge me insufficient fees even due to Recurring payments even though i had no money. They kept letting the recurring payments and the insufficient fees add up to almost XXXX dollars. I told them i was not going to pay that due to me losing my job and that they would charge me insufficient funds fee twice in one day as well as the XXXX dollars service for not having funds in the account. I cant get a new debt card with my new bank because of it. Please help me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2022, one of my checking accounts was hacked and a wire transfer was conducted fraudulently in the amount of {$7200.00}. I immediately ( within a couple of minutes ) reported this to USAA. I was assured that my money would be returned to my account within 7 full days ( or 3-5 business days ). Well, it's been XXXX  days and funds have not been deposited back into my account. I have called and spoken to numerous representatives and nobody is able to give me any answers as to why this has not been re-deposited yet. I need that money back in my account ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I went to the ATM to deposit some money and process a small withdrawal. For some reason Bank of america thought it was ok to block my card so that I was unable to use it. They provided me with a printout of the number I could call to resolve the issue. I contacted them at the number they provided XXXX at XXXX and was on hold for XXXX minutes before someone came to the phone. Then I was connected with some fraud representative that told me that I was speaking with the wrong department and that I needed to speak with someone else. She attempted to transfer me to another department and came back after XXXX minutes stating that there was a long hold time and that the reason for my block was due to them needing to verify my deposit. My CASH deposit! She then asked me if I would like to continue to hold and after waiting on hold for about XXXX minutes, she came back and told me that the other department closed at XXXX and I would have to call back on the following business day. I asked to speak with a supervisor and she got me a supervisor. The supervisor said the same thing, there was nothing she could do. So here I am with a bank account full of money, on a Sunday evening being told that I cant use my money! So my family has to suffer the rest of the evening, my XXXX year year old daughter ca n't eat because Bank Of America decided to put a hold on MY MONEY!!!! this is not right, this should never be allowed to happen! How can a bank place a block on your account without even attempting to contact the person firs or at least having the decency to keep the department open long enough to resolve the issue! I asked the supervisor XXXX XXXX ( XXXX ) to give me someone else who could fix the issue, I asked to speak with her boss and after XXXX minutes of back and forth and her telling me that there was no one else in the entire bank of america corporation with a title/pay grade above hers that she could get me to, she finally said she would transfer me to customer service. However she transferred me to a non working number. This lady should be fired she had no empathy ( sure she said i understand your frustrated ) she never even freaking apologized! Here I am with no money because they took my last bit of cash ( the {$15.00} I deposited ) but will not allow me to use my card for purchases. This should be illegal. I asked them to compensate me for the troubles they put my family through and she said they would not compensate me for anything.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-03
Company: EQUIFAX, INC.
State: TX
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:
there are several accounts appearing on my credit report. i do not recognize these as mine. someone has fraudulently opened these accounts and they cant be reported on my credit. there is a XXXX XXXX/XXXX account opened XXXX XXXX a XXXX bank delaware XXXX XXXX XXXX a XXXX account XXXX XXXX XXXX a XXXX XXXX XXXX opened XXXX XXXX a XXXX XXXX XXXX co XXXX XX/XX/XXXX XXXX another XXXX XXXX XXXX co XXXX XX/XX/XXXX and lastly an XXXX XXXX XXXX XXXX XXXX was opened in XX/XX/XXXX 2013

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: EQUIFAX, INC.
State: ND
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 previously disputed with XXXX XXXX  and equifax on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have been receiving harassing and threatening telephone calls from a Bank of America representatives in regards to my Bank of America Visa credit card account : XXXX. Numerous representatives have harassed and threatened me to pay a debt of {$600.00} on my account. I informed each representative that my credit card was stolen and the {$600.00} debt is due to fraudulent charges. I am still being held liable for unauthorized use and fraudulent charges that do not belong to me. Under the Federal Trade Commission The Fair Credit Billing Act ( FCRA ) and Electronic Fund Transfer Act ( EFTA ) offer protection to a consumer if your credit, ATM or debit card are lost or stolen. I am not liable for unauthorized use or charges. I just Bank of America to delete and remove the debt of {$600.00} from my credit card 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 2015-05-13
Company: Integrated Recovery Services
State: NH
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX sold my info to a XXXX party integreated recovery services out of new york. I tried giving them the money I owed but they put my credit card info through wrong. Now they are contacting my ex-husband and telling him that the sheriff will be coming to our door unless this is settled. In the initial contact they threatened me with having someone serve me papers at my work location and that I would have to pay {$2000.00} in attorneys fees plus the {$700.00} that I owed and be charged with criminal offenses. They continue calling my ex-husbands cell phone and harrassing him on a daily basis. I have never gotten a written letter from them except an email after I told them I would not pay until I got written confirmation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Began my process of buying a home with a team leader, whom stated he was too busy to meet in person regarding my home buying process. After finding my home, the process required me submitting personal pap erwork three plus times to get it correct. It involved me signing documents that I was then told were incorrect, and had resubmitted that same day requiring me to leave work on two separate occasions. Could not get ahold of mortgage team leader by telephone and was only able to communicate by email with several days delay. Unprofessional communication by text message during process of securing home loan as well as emails using the phrase " stand buy ''. Rushing to submit documentation with less than one week till closing on a  home. When submitting complaint on  XXXX   XXXX  to corporate company then falsely closed the complaint without reaching out to me before doing so. When I called on Tuesday the  XXXX  of  XXXX , I was told the complaint would be reopened and the individuals supervisor would get back to me by close of business. After waiting for a call and not r ecieving one, I then called to follow up to the complaint and speak with a supervisor that told me if my complaint did not seem urgent for corporate to follow up too they would not. It is apparent my time, or money is important to Huntington Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I accidently transferred funds from my bank account to a closed account with my old bank. Instead of sending the money back to my new bank, they found a different account that had my name on it and transferred the funds to it without telling me. When the funds were not returned, I tried to pull the money back and received fees from both banks. I then went to the bank, closed the account and pulled my money out. I left this bank because of their practices ( blocking my online access, charging me late fees and rolling it into my balance then applying interest on the late fees ) and I want to know if there is something I can do about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
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 previously disputed with XXXX XXXX and equifax on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I previously have contacted these companies regarding the late payments they're reporting on my credit report for validation of proof of the late payments. After several attempts no justification has been satisfied with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am trying to refinance my Mortgage. A Credit report was pulled and an item for XXXX is listed on my trans union as a collection chargeoff. I called them at XXXX and they stated that the account number was not my account. I said I know that, please tell the credit bureau so it can be removed. They said we did not and would not report it because it does not belong to you. I said they please give me a letter stating that, they no. I called back and spoke with a different manager twice and they said no as well. There address is XXXX XXXX XXXX Ut, XXXX. They had to report for me to have their information. I just need it removed please.

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 2017-05-30
Company: Kohn Law Firm S.C.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XXXX   XXXX   2017  I was threatened with contempt  by Kohn Law fi rm  XXXX     2017  I was served with a Garnishment and Demand for person al Information From Kohn Law f irm to My employer  XXXX   XXXX  Kohn Law firm Is attempting to force my employer to Pay my Debt and levy any and all personal Property and is not satisfied  XXXX   XXXX  Kohn Law Firm Demands admission From My employer and threatens Litigation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: RevMD Partners, LLC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
medical bill paid by insurance company is showing up as delinquent. 
Our XXXX Administrator said the following : Claim # XXXX was originally processed on XX/XX/2013Billed amount $ XXXXAllowed amount - $ XXXXCoinsurance - $ XXXXXXXX paid PROVIDER on XXXX/XXXX/13 {$510.00} ( Check # XXXX ) E payment - draft # XXXXTotal member responsibility on this processing $ XXXXClaim was Adjusted and reprocessed on XX/XX/2013XXXX overpaid provider by $ XXXXRequested reimbursement from provider of $ XXXXMaking NEW member responsibility of {$100.00} ( plus original {$57.00} ) to total {$160.00}. 

I would have the member 's provide the payment information to the provider that XXXX paid a total of {$410.00} and member is responsible for remaining {$160.00}. This will total the {$570.00} that was billed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: CIT BANK, NATIONAL ASSOCIATION
State: FL
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Back in the spring we experienced major delays when trying to close matured CD accounts with CIT Bank. We heard excuses from there were so many accounts closing that they were backlogged as well as our accounts were so large that multiple reviews were needed before closing and those areas were backlogged as well. In addition, one time a representative had linked XXXX CD 's that were maturing within a week so none of the CD 's were being processed until the final matured. Over the years, we have had over XXXX CD 's with this bank and things only started being problematic in the spring. Unbeknownst to us, they changed many things XX/XX/XXXX. We received no notification of these changes. I learned about them today when I called to set up XXXX CD 's that are maturing XX/XX/XXXX. Now, everything is done online, but I needed to redo my password and other activities to even get access to my accounts. And lo and behold, CIT Bank has deleted our previously linked external bank accounts for transfer of funds. CIT Bank has been transferring funds to this bank for years, even as last at XX/XX/2016. Now, it is non-existent and I have to start all over and go through testing, etc. That means my time and attention for problems that they have caused. At this point, I am not confident that this system will work as they say it will. It will be very easy for them to say that they did not get the message. Yes, now I have to send a message through their customer service message center to request that the account be closed on maturity and transferred to an external account. Of course I can not do that until my external account has been tested and approved. I truly do not like fighting for my money. I find it somewhat amazing that a bank can delete, eliminate, discard banking records/transactions/data for on-going customers. It seems that CIT is out for themselves and not there for their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: Netspend Corporation
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
On Monday, XX/XX/XXXX, I discovered that my XXXX old son was the victim of a click-through scam by NetSpend. More specifically, my minor son shared that he was watching sports car videos on XXXX when he was solicited by various pop ups to see " fast cars. '' Upon clicking the pop ups, he was asked for his personal information ( e.g., name and address ). My minor son shared that he did not enter his date of birth. And he does not know his social security number, so it begs the question how NetSpend was able to issue a PrePaid card in his name - especially as it is unlawful for credit to be opened for a minor. Following a call with NetSpend, it has closed the account. I intend to file a complaint with NetSpend corporate offices, as well as freeze my son 's credit. Additionally, I wanted to file a complaint with the CFBP about the improper activity relating to a minor. 

Should you have any follow-up questions or need additional information, please contact me by email at 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 2018-03-04
Company: Worth Finance Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received a phone call 3 years ago stating I had a loan with XXXX XXXX for {$750.00}. I explained to them I had never applied for a loan with them. They informed me I didn't apply that they mailed me a check for {$750.00} to an old address and someone signed it cashed it so now I owe a balance. I reported this as fraud and informed them in writing that I didn't live at the address or sign a check from them. I also requested the item be remove from my credit report verbally and in writing. As of today it's still on my report and I have been going through this for 3 years. Please help me resolve the fraudulent account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Theres fraudulent accounts on my credit reports. I been disputing very ling time and they dont help. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Credit decision / Underwriting

Complaint:
My refinance with Freedom Mortgage started XXXX XXXX, XXXX and was on schedule to close by XXXX XXXX, XXXX. XXXX XXXX contacted me with a notice of incomplete application on XXXX XXXX, XXXX and we talked about documents that were suddenly required. Certain documents were not fully explained to me like the XXXX, I was told I could get a 15 year loan and only pay {$25.00} more than what I am paying now, which turned out to be a total lie, and emails back and forth between XXXX and I were unproductive because she would not answer my questions. Over 2 weeks I fought to get the documents to XXXX, and my email was not working properly and I was not given any other alternative to try to get the documents to her. Her assistant XXXX was short with me and would not originally give me XXXX email address and I had to call the following week, XXXX XXXX, XXXX, and get it from someone else. Around XXXX XXXX, I had no update on my loan so I called and complained and my loan was transferred to another officer. The importance and ins and outs of a couple additional documents needed that I knew nothing about, were explained to me. However, now on XXXX XXXX, XXXX, I receive another notice of incomplete application stating that we need to " post XXXX payment to satisfy aging requirement ''. I left a message with the loan officer because if that means we have to pay XXXX AND XXXX before we can close, this is ridiculous. We have NEVER missed a payment on our mortgage. We had to cancel our XXXX vacation because we were looking forward to having that skipped mortgage payment, and were hoping to take the vacation in XXXX, the only other month we can get away this year, and now they are pulling this? When we refinanced in XXXX, it was fast and easy. This has been a nightmare, stressful, dissapointing, and angering. I believe XXXX and XXXX 's attitude and lack of care, help, and concern have ruined our chances of getting this refinance done in a timely and orderly manner.

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: Nelnet, 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: Their investigation did not fix an error on your report

Complaint:
I consolidated all my XXXX loans and it is still showing up on my credit report as active.

Company response to consumer: Closed with explanation