BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-19
Company: DISCOVER BANK
State: NV
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
What part of " accounts open '', do n't you understand? 

XXXX lists XXXX " This account is scheduled to continue on record until XXXX XXXX '' XXXX " This account is scheduled to continue on record until XXXX XXXX '' XXXX lists XXXX Closed XXXX XXXX XXXX Closed XXXX XXXX BUT XXXX lists XXXX Open and no deletion date. 
XXXX XXXX and no deletion date. 

If you are reporting to all XXXX ( XXXX ) Credit Reporting Agencies as you say you are. Why do only XXXX ( XXXX ) have the correct information. If these are closed, it must be stated as such. If you were to say " considered closed '', that has no validity without a date of closure. 

XXXX has a common practice of doing things all on their own. If there is no date of closure, XXXX will leave these in my report indefinitely.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: SUNTRUST BANKS, INC.
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have been banking with Suntrust for a few years. I have two checking accounts and savings accounts. I have my payroll direct deposited every two weeks in my account. I use my debit card for all my purchases. Recently my account was froze on XX/XX/2017 for some unknown reason. I am not able to make purchases, or pay any bills since my bank account has my funds in it. I have not received any correspondence in the mail regarding my back account. No one online or in person seems like they can help me, or tell me why my account is like this. I have my income tax being deposited in my account in the next two weeks and it looks like I will not be able to get that money since my account is blocked. That will be another 3 months to receive a normal check. Meanwhile I am depending on the check to help me pay off some loans. I feel like I am being treated unfairly. These funds are my funds and they should not be able to freeze them for an account review without a reason of why.

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 2020-12-31
Company: Rocket Mortgage, LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2020 I placed several calls to Quicken Loans to obtain my payoff and chatted with a representative as well. This process wasnt unacceptable at all. I requested to speak with an executive several times and was never transferred nor was a call back received. The staff was rude and clearly required more training. I still have yet to receive my payoff despite the closing occurring on XXXX and the fact that Quicken is paying themselves to close the loan there is no reason I was unable to obtain the payoff. I spoke with Jalen, XXXX, XXXX, XXXX XXXX This is not acceptable and moving forward I will not conduct business with quicken again nor will I have my mother move forward with her mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I went to refinance my mortgage with Cardinal Financial Company in XX/XX/2020. Even though the process was started, I decided not to refinance with them. However, I continued making my monthly mortgage payments on time. When I decided in late XXXX to refinance with another mortgage company, I was informed my property taxes had not been payed. The new company sent of the Tax Assessment on XX/XX/XXXX and not only was the taxes not paid incurred a penalty fee because the due date had passed. I called Cardinal on XX/XX/XXXX and was unable to speak to anyone regarding escrow account. I called again on XX/XX/XXXX. The customer service rep did not know why my property taxes were not paid even though I was making my monthly payments on time and had not closed on a refinance. I end up owing the State of California {$7000.00} to include penalty fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I logged in to my account to retrieve tax information about 6 months ago. Without my permission my account was switched to paperless. I have called Chase 5 times to resolve this issue and have my statements mailed. Every time I call, the representative confirms with me that my account will return to mailed statements. That has not happened. I'm not sure what else I can do to resolve this relatively simple request?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I want to bring to the attention I feel like I been discriminated because because of my XXXX Chase decided to close my account they didn't tell me why all they told me that the people in the back room which I'm confused because I never heard of something like that but they close my account and they didn't tell me why they told me in a rude way that there was no no turning back from their decision and the problem is that it's already the XXXX and I get a direct deposit from my social security SSI benefits I'm completely left with not being able to get my deposit on the XXXX which is a few days away I have to pay rent I haven't had no bad debts with Chase everything was good and for any I don't know what reason they disclose my account but I really think that is very discriminated knowing that I explained my situation the kind of benefits I get and they said they didn't care I mean well who treats a person like that thank you. I will find some legal help with somebody that deals with XXXX discrimination because I feel because these people who they said work in the back room that brought the decision and there was no reversal from the decision I'll be lifting the streets because of this closing of my account where I receive my benefit payment every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: Chime Financial Inc
State: GA
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 received an email on XX/XX/20 saying that my account was placed on hold due to unusual activity and that I needed to verify the source of my direct deposit. I have been waiting months for my direct deposit to be sent to me from unemployment. I sent him identification documents on XX/XX/20 & XX/XX/20 as well as my award letter from unemployment chime responded and told me they still wanted to close my account and that I would not be eligible for a refund. I was sent XXXX from unemployment on XX/XX/20. Im not able to see my chime balance due to my account being suspended but I should have over XXXX left in the account. This company is fully taking advantage of consumers. They even asked me to prove why I was eligible for unemployment in Illinois. I didnt want to send in my 1099 but I did because I need my money. I asked them if they had the right to do this when I already proved I was eligible with unemployment. This has been a nightmare. They also mentioned that I needed a utility Bill dated within 60 days well since the pandemic Im without a place Im living with family in Georgia. My original place of origin is Illinois. At this point the automated emails are frustrating and I just want my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I lost my wallet around XX/XX/XXXX, XXXX i called the bank to report that I lost my card and for them to block it. On XX/XX/XXXX an unknown person went to a bank and deposit a check without fund for {$340.00} and withdraw {$340.00} on my checking account. called the bank to make a complain they gave me my money back but today XX/XX/XXXX the bank took {$680.00} out of my checking account because they said my claim was denied because my picture id match with the debit card since i already called them to say may wallet with my Id and debit card was lost. i went to a bank they told me about the check that was deposited on my account and the check didn't have my name or my signature and ask to see the camera and they told me that they are no allowed to show me the video. Basically someone just went to bank pretending to be me and withdraw money out of my account and now the bank is refusing to give my money back. i need help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-21
Company: EQUIFAX, 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 Convergent Account XXXXXXXX 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 602 A section 2. It also states a Consumer Reporting Agency can not furnish a account without my written permission or instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
Purchased a gift item found on XXXX advertised as " Buy 1 get 1 Free '' The ad says,, " 100 % USA owned and operated ''. " 100 % Customer Satisfaction ''. 

Sent payment thru PayPal ... and immediately discovered it went to " " Nothing USA about them ... 

I received ONE of what I ordered,, the second item was not at all the same.. Seller writes back .... 
" This is how we do to every customers with this product, it is a buy 1 get 1 product, so the free one is get to our picks, it will be the same size or it will may not, so it is random, also i believe we didn't mentioned it will be the same size on the product page. Thanks for your time. '' PayPal refuses to help, In fact there's hundreds of sub posting just on one PayPal post on XXXX,, Angry customers cheated via PayPal ... ( They blocked me ) XXXX should not knowingly allow these false ads.. 
I believe the two are complicit in defrauding the American Consumer. 
Had I known,, I never would have purchased ... ... 

Happy New Year ... I'm just frustrated,,, would love to have some resolution that would prevent this sort of thing from happening to others.. I'm sure you're busy with far greater things,, just hoping to just bring this to someone's attention. 
Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Yesterday ( XXXX/XXXX/2015 ) I contacted Capital One to advise them that I would be paying my credit card balance in full by XXXX or sooner. The agent confirmed to me XXXX TIMES that my card would be re-activated and available for charges once the payment is made ( see attached ). 

I made the payment that same day. 

Today, Capital One informed me that MY ACCOUNT HAD BEEN CLOSED as of XXXX/XXXX/2015, and that it can not be re-activated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: Experian Information Solutions Inc.
State: NY
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'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY 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 explanation
Consumer complaint received 2016-08-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am victim of identity theft. An unknown person has been using my information to obtain credit. I notified Experian of this, as well as the furnisher of information, XXXX XXXX. I obtained an identity theft report from the XXXX XXXX Police Department as Experian instructed me to do. I sent a copy of this report to Experian as well as XXXX XXXX. The account was removed from my credit report in XXXX XXXX, then it was added back to my credit report in XXXX XXXX. I was never notified by the credit bureaus of the reinsertion as required under the FCRA. I have disputed this fraudulent account numerous times since then and Experian is claiming to verify the account. I am not liable for this account because I did n't apply for it and it is a result of identity theft. Experian is violating FCRA 605 B and I am considering court action.

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 2017-03-09
Company: QUALITY ACCEPTANCE LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
XXXX XXXX XXXX is disputing Quality Acceptance LLC claim that he owes them any debt because Quality Acceptance LLC has failed to produce a valid contract between XXXX XXXX XXXX and Quality Acceptance which obligates XXXX XXXX XXXX to pay them a debt. This is not an issue of identity theft but a fact that Quality Acceptance is not the holder in due course and is in violation of the Fair Debt Collections Practices Act and other Federal Laws. They must show a valid proof of claim of which they have failed to do and they have also deprived XXXX XXXX XXXX of property without due process and without a warrant to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: Flagstar Bank, N.A.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This complaint is regarding Flagstar Bank. This is a continuous complaint from last year which I thought was resolved and they assured me that I wouldn't have this problem again. Per Flagstar they zeroed out my taxes and just put XXXX in the would-be taxes area, to prevent further collection in the future. My taxes have been deferred on my mortgage since XXXX. Prior to today It also showed that my taxes were deferred in their system as well. Now for the third year in a row, they have paid my deferred taxes resulting in a negative escrow balance for me. As of right now, my escrow account is $ XXXX. A negative escrow account means my payment will go up over 100 %. My taxes are deferred because I am XXXX XXXX XXXX. Flagstar sent the most recent payment to XXXX County on XX/XX/XXXX, even after they corrected the issue last year. This is the third time in a row!!!!! There needs to be a fine at this point. This is egregious and its obvious they care nothing about the well-being of their customers. Please help me again. Thanks.

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 2017-05-21
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have attempted to have this account removed from my credit since  XXXX    XXXX  . I have sent letters for validation a nd all I get in return is the account is VERIFIED via FCRA rules & I am instructed to call AD ASTRA. For 2 years now,  I call them give them the partial account number from my report once the account is pulled up I 'm asked to verify my social and birthday HOWEVER they are unable to discuss the account because the personal information does n't match. I filed a complaint via this website  XXXX  a nd in return Ad Astra uploaded and mailed me loan documents that did not bear my written signature HOWEVER the documents they sent did prove my point that the account does n't belong to me. Per the documents sent to me by ad astra the social is NOT mine. I sent a copy of the documents THEY sent me to the   XXXX   main credit bureaus YET Ad Astra will not remove this account from my credit file. For 2 years I have proven and they have given evidence that this account does n't belong to me. They even transferred the account to an attorney who sued me and LOST because the personal information does n't match mine. The attorney removed their listing from my report but Ad Astra will not ALTHOUGH they personally sent me information proven that the file does n't belong to me. Please just remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: DISCOVER BANK
State: IA
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:
To whom it may concern, We have had a credit card with Discover for several years. During this time it was supposed to be set up for automatic payments for the minimum balance due and we would then pay the balance once every month or two.

Recently we received a derogatory mark on our credit report from Discover. After reaching out to them they indicated our payment was late and there was nothing they could do to help us. I informed them of our autopay situation and they said you are not set up on autopay we can't help you. I informed them we'd changed banks in XXXX and given them the updated banking information but they said they had no record of it so it was our problem. 
Discover never notified me of a failed payment and did not send any notification that my bill was past due. They simply applied their late fee and gave me a derogatory mark, which is my only missed payment in my entire life. 
I attempted to reach out to their executive relations team via email and received a paper letter several weeks later, with no direct contact or reach out. 
Discover needs to rescind this inaccurate late payment mark from it's records and my credit reporting - I am not responsible for the failure of their company or their website. 

Thank you for your time, XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: LJ Ross Associates
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
At XXXX a message was left by a female who said her name was XXXX from LJ Ross and Associates. There was no mention of who the call was for or what the nature of the call was.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have noticed some loan companies on my credit report and hard credit. I would like to get these off of my credit history because i have not signed up for no loans and wo n't because i know what they do to my credit report and i have a poor credit rating as it is. I am trying to bring my credit up to good not bad. the ones on the hard credit are XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently disputed a collections account through XXXX for a debt of XXXX from a creditor name of XXXX XXXX and the collector agency being Fair Collections and Outsourcing. It was added to my credit report on XX/XX/XXXX. This is inaccurate information and I will like this removed from my report immediately cause of the damage it has caused to my report. I have been living at XXXX XXXX XXXX XXXX, Ga XXXX from XX/XX/XXXX til XX/XX/XXXX and moved to XXXX XXXX XXXX XXXX Ga XXXX XXXX XX/XX/XXXX. I moved to XXXX and stayed at XXXX XXXX  XXXX XXXX XXXX in XX/XX/XXXX. I have never been contacted in any way of this debt and never have seen proof in writing with my signature that I owe this debt to XXXX XXXX and the collection agency Fair Collections and Outsourcing. Can this pleases be removed from my credit report cause its very detrimental to my 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 2020-12-31
Company: Experian Information Solutions Inc.
State: NY
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:
EXPERIAN, XXXX, AND XXXX ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.

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 2020-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX, TRANSUNION, AND XXXX ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.

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