BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I was going over my credit report and I found several addresses and accounts that do not belong to me. My name is XXXX XXXX XXXX Please remove any variation of my name they are not accurate. I live at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. My SS XXXX and DOB XXXX. Please remove the following addresses they are not accurate:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was a victim of fraud and someone in XXXX XXXX was using my name for account and credit. I have never liver in 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 non-monetary relief
Consumer complaint received 2015-08-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
i am haveing promblem getting my tax refund, i ll file my taxes with XXXX, i did file XXXX because it was rejected, but they approve it on XXXX/XXXX/15 they sent it thru, now here where the promblem begin they sent my check to a banl in california, that bank sent my funds to Bank of America, i went in with information, Bank of America said even thou you have the doucument we cant do anything about it because it in another account, where they got these number from i dont no where, i never had a Bank of America, they said that the IRS is the only XXXX that can solve this promblem but in the meantime you have my fund in that account for 6 month, the IRS SAID THEY ARE NOT RESPONSIBLE, since it a XXXX party, XXXX said that seem like identity theft, i call the police department, they came and said thid ia not indentity theft, someone made a mistake and they need to correct it, so i really hope you guys can help me out

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: EQUIFAX, INC.
State: OH
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 sent a copy of an FTC affidavit of identity theft and a police report to all   XXXX   bureaus. By law they must block the information from my credit reports. To date,  XXXX  complied but Equifax has only deleted on account not blocked the information they were required to and I can not tell on   XXXX   if it has been blocked or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: Experian Information Solutions 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:
I have called this company many times to try and to get them to fix the errors that are being reported and i have also sent many certificated letters to show that these accounts and inquires are not mines as well as requesting them to update my information such as my address, my employer and my telephone number back in      XXXX   XXXX   XXXX     t hrough certificated mail and as of today     XXXX       it still has not been updated and when i called to try and get this resolved again they refuse to listen to my complaint and try and get this resolved.

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 2017-05-02
Company: LJ Ross Associates
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received several calls from  XXXX  at the end of  XXXX . I answered several times and there was silence or a hang-up. In late  XXXX  they called again. I answered and the party identified themselves as being from  LJ Ross  a debt collection firm. They asked me to identify myself which I did and they proceeded to tell me that there was a bill owing  XXXX  (  XXXX   )  from a house I had sold in PA for approxiametely  XXXX . I told them I was never notified about any owing amount and said I would call  XXXX  to verify. At no time did I receive any form of written communication either from  XXXX  or  LJ Ross . To my knowledge all bills were paid at closing of house sale. I called  XXXX  and indeed verified the debt and that  LJ Ross was their collection agency. I then called LJ Ross  and immediately paid the bill but they had reported it to credit bureau. I never received anything in writing to notify me of their legitimacy or the debts legitimacy or dispute it. They had my current address on file and  XXXX  had my email address on file. Totally inappropriate action on their part and quite disturbing. Not to mention inappropriate reporting to credit bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Sometime after XX/XX/XXXX but before XX/XX/XXXX I paid my XXXX store credit card bill. Unfortunately for me my payment was applied to another account. I had paid the bill using my mother 's Bank of America bank account. I tried multiple times to resolve the situation, to no avail. I was repeatedly told that they ( the XXXX card company reps ) understood and would fix it, but nobody ever did. It was sent to collections and I again explained my situation. After many attempts to fix the situation I gave up. In hindsight this likely was n't a good idea but I was beyond frustrated. The account was opened in XX/XX/XXXX and closed due to non payment in XX/XX/XXXX. I received a call XX/XX/XXXX that I was being taken to court over this debt. I have negotiated with the law office handling the case against me to have until the end of XX/XX/XXXX to get the copy of the bank statement showing my payment. My mother closed the Ban of America account, perhaps in XX/XX/XXXX. I spoke with BoA customer service and was told they could look up closed accounts, but could only look back a few years by phone. I was instructed to go into a branch and they would be able to help me. When I spoke with a branch manager in person she told me they only hold on to records for 7 years. I fully explained my situation and she again said they only go back 7 years. I called customer service again and was told by one person they could go back further if I ordered them. I was then told by another person that no they could not go back further, they could only look back 7 years, I want to know if there is ANY way possible to obtain bank account records from this account ( my mother was with me in the branch and on the phone, since it is her account ) from before XX/XX/XXXX. If I can show the payment then I can prove I made it and not be held accountable. If I ca n't get the records from the bank I have no evidence to prove my payment and will either have to pay the original amount or have the court judgment go against me and owe hundreds more. I am so upset that I paid my bill and somehow am being punished. I really hope there is something that can be done to help prove my payment. 
Thank you!

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 2016-12-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, 2016 I went to bank of america and attempted to conduct multiple transactions. First I needed to cash my payroll check ( {$1200.00} ), I then needed to deposit {$1000.00}. I informed the teller what I needed done and was informed that she would not be able to do so. She informed me that she would not be able to cash my check and deposit the balance, but that she would be able to deposit the check and give me {$200.00} withdrawal, and that the rest would be available to me today. I asked if it would be the same as depositing my check at the ATM, and she advised me it would not because I would not be given the same available balance. So I said that would be fine. She proceeded to ask me to initial my deposit slip where she crossed out my initial deposit amount of {$1000.00}. She asked how my day was and I told her it was going good and that it was actually moving along pretty fast so it was great for a Friday. She was professional and courteous. She asked if there was anything else I needed today before she handed me the {$200.00} completed the transaction, and I said no. She handed me the {$200.00} along with my receipt and I left. I came back to the office and in reviewing my bank receipt I noticed my available balance was {$0.00} not what the teller had informed me 15 minutes prior. I called the branch to see if my transaction could be reversed. I asked the bank associate who answered the phone if I would be able to get the transaction reversed and she advised me that she would n't be able to as all of the work had just been turned in. I voiced my displeasure by telling her that this was not the first time the bank had given me wrong information and that it was very inconvenient. The associate asked me what had happened and as I began to tell her, she interrupted me, I allowed her to finish asking me the exact same question she had just asked, and I asked her if she would allow me to answer her question or if she was asking me just to ask me. She replied by telling me that she did n't need me to be rude. I informed her that she should allow a customer to answer a question as opposed to not allowing them to by speaking over them, I then asked her name she stated her is XXXX XXXX and identified herself as the assistant manager. She than asked me to let her know what happened. I informed her of the issue and she agreed that the information I was provided was incorrect and that there was nothing she could do. I again voiced my displeasure by telling her I was tired of this bank not owning up and correcting their mistakes, she said ok, and we ended the call. Now I am unable to process payments due today and will be charged for late fees.

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 2017-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 sent a copy of an FTC affidavit of identity theft and a police report to all  XXXX  bureaus. By law they must block the information from my credit reports. To date, Transunion complied but  XXXX  has only deleted on account not blocked the information they were required to and I can not tell on  XXXX  if it has been blocked or not.

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 2015-10-05
Company: ERC
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
ERC is forum shopping and using an address not on file for me since XX/XX/XXXX to collect on a debt that was paid back in XX/XX/XXXX. My account was opened with a XXXX address yet ERC purposely chose an address which has not been used for 30 years in anticipation that I would not be able to dispute it long distance. Fortunately, my parents forwarded my mail where I intercepted this communication.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-04
Company: U.S. BANCORP
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
XXXX XXXX I was talked into applying for a used car loan. 

XXXX, The assistant branch manager and XXXX XXXX XXXX, the branch manager guaranteed me that this would only be a soft hit to my credit. They told me they would do a soft hit, come back with an offer, then if I accepted that offer they would do the hard hit. I 'm trying to get my credit and everything in line to buy a house, so I did n't want my credit touched. I 've never heard of it being done this way but the XXXX girls swore up and down it will not affect my credit so I gave them my information. In the next day or two I seen they put a hard hit on my credit. I spoke to XXXX XXXX who said the policy must have changed and she can have it taken off. I filled out the form to get the hard hit taken off and was told it would be taken off within the week AND to stop worrying because they do this all the time. 

XXXX XXXX I seen the hit was still on my credit. XXXX XXXX has me fill out the same form again and said she 'll call me Friday, which did n't happen. I called her the following week and was told she 'll call me tomorrow, which did n't happen. The next week I called her again and was told I have to wait 30 days ( from the day I filled out the XXXX form ) for something to come in the mail. XXXX days later I never received anything. I spoke with XXXX XXXX who is the distract managers assistant. XXXX spoke with XXXX XXXX who said I was given the wrong form to be filled out. In order to take this hit off my credit I need to mail them a statement of what happened, my social security number, and a copy of each of my credit reports that show the hit. 

-I 've spoken to a manager of US Banks customer service and XXXX branch managers at other local locations, they all told me that they have never done soft hits and do n't know why I would have been told this. So I was lied to. How many people do they say this to but do n't check their credit so never know? 
-It 's been XXXX months and I 've had to basically chase this branch manager down to get answers. 
-US Bank already has all my info, but now I have to mail them the same info and 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 non-monetary relief
Consumer complaint received 2017-05-02
Company: Experian Information Solutions Inc.
State: OH
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 sent a copy of an FTC affidavit of identity theft and a police report to all  XXXX  bureaus. By law they must block the information from my credit reports. To date,   XXXX    complied but  XXXX  has only deleted on account not blocked the information they were required to and I can not tell on Experian if it has been blocked or not.

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 2022-04-19
Company: NFM, INC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have experienced the following issues with NFM Lending Loan Officer - XXXX XXXX the following occurred : 1. He/They changed my demographic information ( Race, nationality, and number of years lived in previous home ) without my permission and the categories chosen were incorrect. 
2. He/They did not disclose all of the title fees as presented by the title company.

3. He/They raised the points fee without warning or discussing with me.

4. I requested a copy of the loan application that was initially submitted of which has not been provided. He has not responded at all.

5. Retaliation in the form of non responsive after I confronted him about his unethical behavior

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
A terrible decision caused my account to be gone forever from TDbank.A fraudster got my debit card information.There were unauthorized deposits and fake checks deposited into my account.The bank fraud department took too long in investigating.I did pay off what was owed but the bank showed hatred against me.I think they stopped the investigation.They may be also slandering me .I did not know what to do.I have been told that I am to get refunds from what was stolen even if it was done in an irresponsible way.The bank has to realize that I am no criminal.They also need to know that in this digitalized time banking information can be gotten by anyone.I want to know why they feel they do not have to follow the law and why they think I should pay for what happened.They also need to be questioned as to why they allow these fraudsters to keep stealing money from people 's accounts.The bank also insisted on saying that they do not care what happened and that I should have known better.I also want them to know how this made me feel.I had been with them since even before they became TD.Back then they were more responsible.They did work with customers on these problems.They advised on how to be careful with these problems.They are possibly trying to say that I conspired with this person who seriously damaged my account in order to steal from them.I am no criminal.I do not need theirs or anyone elses money to resort to doing such a fraudulent thing.They really do need to be called out on how they pretend to investigate bank fraud but really do not.It is due to this stress that I was not able to pay what was owed until my tax refund came through.I also want them to know that I am not the only one that this has happened to.It will continue as long as they allow the fraudster who they are aware of continues to do this as long as they are not caught.I have to say that they may be working with this fraudster.I had not received any help with payments from TDbank until a few days before they made some charge off and then claimed they gave me a credit.They allowed me to open a new account but then they closed it.They will tell me the results of what happened.I have the right to know that.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a payment arrangement wit h Portfolio Recovery Associates.  I make all of my arranged payments on time, through my checking account. I have receipts showing that the payments were sent to  Portfolio Recovery Associates at th e correct account number, but every month I receive a letter stating that my payment was sent to my original creditor, who " forwarded the payment '' to PRA. My check receipts clearly state that the check was sent to the PRA, but both the rep and the  manager  that I spoke to claim that it must be my bank that is sending the payment to my original cred itor ( how wo uld they even know who that is? and why would they care? ) and the only way to resolve the issue is to set up automatic debits through my checking account, which I refuse to do for obvious reasons. They are forwarding my payments to my original creditor and my original creditor is then forwarding the payments back  to PRA, so that t hey can charge me late fees, and bully me into giving them permission to help themselves to my checking account. I just want to correct the issue with the mailing, and have my payments post on time, but they refuse to correct the issue that is obviously on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: JPMORGAN CHASE & CO.
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
First off I would like to thank you for sharing and letting Chase bank correct all there Legal mistakes along with all the other pretender lenders .my property was in a trust    XXXX   workflow  ID  XXXX   XXXX   XXXX  A ET AL  XXXX   XXXX  TRANSFER FR.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  CO TRUSTEES  XX/XX/XXXX  SPLIT FR  XXXX  CASE NO.  XXXX  FRAUD ON   XXXX   XXXX  , BECAUSE OF YOUR ACTION CHASE ENTERED FRABRACATED DOCUMENTS WITH THE STARK COUNTRY RECORDERS  XXXX  RELEASE OF MORTGAGE  XXXX   XXXX   XXXX    XXXX   NOW FIRST FRAUD THANKS TO YOU  XXXX  SATISFACTION OF MORTGAGE  XXXX   XXXX   XXXX  have a case in  XXXX   XXXX  OHIO  XXXX  MAYBE YOU COULD DO SOMETHING FOR THOSE WHO HAVE SUFFERED BY YOUR ACTION

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17
Company: TD BANK US HOLDING COMPANY
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
As I viewed my credit report, I noticed an unknown credit card account that does not belong to me. So I called the credit card company to clarify the situation and to resolve the issue. The company could not find any record of me having an account with them, however, they continue to lodge a negative item on my XXXX report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-22
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Am Having A Problem With My Bank Account i Lost My Debit Card There Where Some Transaction Made On My Account That I Did Not Authorize Please Help Me Resolved This Issue i Made A Claim With TD Bank on XXXX XXXX for {$41.00} $ XXXX Fee {$170.00} i did not made this transaction and the bank According to the bank investigation. they saying that the charges are valid and that this transaction are all valid. and the bank denied to credit the transaction please help me resolved this issue i use this account only for SSI Social Security Direct Deposit. and the account right now has a negative {$190.00} and i did not made this transaction and i also made a police report for this problem.

Company response to consumer: Closed with explanation