BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-02
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
NAVY FEDERAL OPENED A FRAUDULENT CREDIT CARD FOR SOMEONE WHO STOLE MY IDENTITY IN MY NAME AND PLACED IT ON MY CREDIT REPORT, AFTER SENDING DOUCUMENTATION TO THE CREDIT BUREAUS, THE CREDIT CARD WAS REMOVED, BUT NOW NAVY FEDERAL CREDIT UNION, HAS RE INSERTED THE CREDIT CARD ONTO MY CREDIT REPORT AND WILL NOT REMOVE 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 2015-11-06
Company: SUNTRUST BANKS, INC.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Dear Sir : Upon return from a trip on XXXX, I received a letter dated XXXX XXXX, 2015 from SunTrust Bank requesting I close all accounts by XXXX XXXX, 2015. I have bank with SunTrust for 30 years and thought it must be some kind of mistake. I called the number on the letter on XXXX XXXX, only to have a rude lady tell me it was a Business decision, but no reason as to why. After returning for another trip, I went into my XXXX XXXX Georgia branch on XXXX XXXX and asked the manager about the letter, he called the number on the letter and got the same response. I then spoke to his boss who suggested that the manager e-mail the regulatory division of the bank and that they would contact me in XXXX hours. No one called, I went back to the bank on XXXX XXXX to close my accounts and he said he 'd e-mail them again. I asked for his bosses boss name and got XXXX and his number. Called XXXX XXXX on XXXX XXXX and he said he 'd get to the bottom of it and get back to me that afternoon. He never called back so the following Monday XXXX XXXX, I called him, got his voice mail and left another message. Finally, a call came Monday afternoon XXXX XXXX from ( XXXX ) XXXX XXXX assistant telling me to call the number on the letter, I explained to her that I and the branch manager had already called to no avail. She said XXXX XXXX would call me back. He did n't. I then on Tuesday XXXX XXXX, e-mail XXXX, his boss XXXX XXXX and her boss XXXX XXXX . Hoping someone could tell me why Sunrust had requested me to close my accounts. I recieved a voicemail from XXXX the assiatant telling me to call the number on the letter, that they could only talk to me. So on Wednesday I called the number again and got the same response, " Business Decision ''. Nothing from XXXX 's boss, XXXX XXXX or her boss XXXX XXXX. I would just like to know WHY i was asked to close my account after 30 years of being a loyal customer. And to be reimbursed for new checks that I bought a month prior and pro-rate the fee I paid for the debit card. 
Many Thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have an XXXX store card account that was open in 2014. I have always had an excellent credit status with this line of credit paying my bill on time ever since I have had this account. Now I attempted to use the account to purchase and it was denied. when I contacted Syncrony Bank I was informed that the account was closed with my knowing. and they said the reason was because they checked my recent credit report without my permission and felt that I wasnt credit worthy anymore. I feel this was discrimination.please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: Clark County Collection Service
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Clark County Collections Services sent me a judgement for a debt back in XXXX for a XXXX I had XXXX XXXX XXXX XXXX  I called Clark County Collections and informed the company that i did not recall the debt because the information they provided me was not regarding my XXXX. However, after I called the XXXX  I was informed that the bill was due to the XXXX  XXXX I had. I then called them back and informed them I was on Social security and I had limited income but could pay {$50.00} a month. I asked the representative if I needed to contact the courts or reply to the courts and he indicated that I did not by contacting him and setting up arrangements the judgement will not proceed. I then was told that I would need to come into the office to sign an agreement. I went to the office on XX/XX/XXXX and was asked to sign a paper and give a copy of my license and was told the representative would not speak with me until i complied. The representative then came out and said that management has proceeded with the judgement. I am attaching the record showing that the judgement did not proceed until after i went to the office. This is now on my credit report which was never put on the report prior to this 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 2017-05-21
Company: JPMORGAN CHASE & CO.
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: Account status incorrect

Complaint:
The information on the entry for the  Chase  account is incorrect. This account had been reflecting on  XXXX  for the last 5 years a Payment Status of " Paid '', and " Payment Status Details '' of " paid, was charge off ''. It also was reflecting a {$0.00} Balance Due of {$0.00}  ( " - '' ) an  d Past Due of { $0.00} " - '' ). The "  Status Updated  '' date reflected a date of  XXXX . I also received a  XXXX  in  XXXX  for the same account and recently requested another copy of the same  XXXX .     In early  XXXX  of   XXXX   I tried to get my mortgage refinanced and my  XXXX  credit report was updated approximately 4 days later by Chase to reflect an older "  Status Updated ''  date of  XX/XX/XXXX  In addition the Chase entry reflected a Status of " Charge off '' with a " Payment Status '' of " PAST DUE ", a P '' ayment Status Details '' of " PAST DUE '' amount '' of {$16000.00} and a " Balance '' of {$16000.00}. My  Credit Score  also dropped over  XXXX  Points and prevented me from refinancing my mortgage.     I immediately sent a credit dispute letter to  XXXX  indicating my Credit Report information was incorrect and out dated ( i.e. the older "  Status Updated Date  '' changed from  XXXX  with the correct information to a  " Status Updated ' ' date of  XXXX  with INCORRECT information. However, this dispute to   XXXX    resulted in no change to my credit report. I then called Chase directly and was forwarded to multiple departments and managers none of which were willing to correct my report or acknowledge it was wrong. They directed me back to the  Credit Reporting  agency  (   XXXX  for resolution ) I sent another dispute to   XXXX   with copies of the '' before '' and " after '' credit reports ( with  one  copy of the recent incorrect report and multiple copies of the correct report from that had been reflecting correctly for the last 5 years ) and a copy of the  XXXX  issued back in  XXXX  but got the same result. No correction updates to my  XXXX  report for the Chase account. This information remains out of date and incorrect.     This incorrect and out date report has prevented me from refinancing my mortgage, increased my insurance rates and preventing me from getting preferred credit in other situations.     Please Help me either get this  Chase  entry either deleted or updated back to  XXXX  out balances and past due amount. This entry is now  one  month from bein g 6 years old a nd had been reflecting positively with a  Paid Status, wa s charge off and  XXXX  past due for 5 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-30
Company: M&T BANK CORPORATION
State: DE
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XXXX/XXXX/15 at XXXX atm location XXXX I went to the atm to make a cash deposit as I always do. The bank was closed at this time. I selected the option to make a deposit and put the amount of {$640.00} into the slot that collects the deposits. After that the machine said there was an error and the atm was unavailable to use. It rejected only {$2.00} cash instead of giving back the amount I inserted of {$640.00}. Then a receipt printed out saying " deposit error unable to process transaction ''. I then called the bank and reported what happened and filed a claim. Following that I faxed a copy of the receipt the atm printed to the bank. I received a provisional credit for the amount of {$630.00}. Then I received a letter on XX/XX/XXXX stating they reviewed my account and they determined the transaction was processed correctly and no error had occurred and they would be deducting the {$630.00} provisional credit on XXXX/XXXX/15. I then called the bank again and was told that there was no overage in the atm so they had to deny my claim. There was no review of the surveillance tape which you would have been able to see me count the {$640.00} and deposit it into the atm. If my transaction was processed correctly and no error occurred then there would be record of my deposit and the atm would not have printed a receipt saying deposit error unable to process transaction. I feel that the bank failed to thoroughly investigate my claim. I am also going to small claims court to file a claim to take this matter to court. I have had the same checking and savings accounts for thirteen years, since I was XXXX years old and have never overdrawn my account or had any negative activity. After always having the same accounts and being comfortable with the company for so long I will now have to take my business elsewhere. Enclosed is a copy of the receipt that printed out at the atm and also the letter I received stating my claim was denied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Around XX/XX/2020 I went to a Bank of America branch In XXXX ca. Address is XXXX XXXX XXXX XXXX XXXX. 

I came in to make a payment to my credit card since my online bill pay wasnt working. I came to the branch and while waiting in line one of the bankers suggested I make my payment at the ATM since its faster. 

I made a cash payment for {$7000.00} at the ATM and only {$500.00} was processed. I told the banker and they suggested I call customer service and after 2 months and 3 dispute cases later theyre trying to tell me they cant find a error or the extra {$6500.00} which is XXXX. I know exactly how much I put in the atm it was XXXX bills of {$100.00}

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 2019-12-05
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My purse was stolen on XX/XX/XXXX along with all of my credit cards. A CFPB complaint was filed by me and HSBC stated that a credit would be made to my account by XX/XX/XXXX. I have called the Fraud Dept. in XXXX on numerous occasions and they say that the account is still being investigated. I asked to have a Supervisor call me back. Nobody called me back. This is a crime shop. How does the Fraud Dept. not know that a letter from HSBC was sent to the CFPB stating that my claim was accepted as fraud and a credit would be made to my account by XX/XX/XXXX. They have denied purchases, failed to credit me back the money, lied to the CFPB and me and have a Fraud Dept. located in XXXX that is Clueless in XXXX. The CFPB better start investigating the banks for fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Sending this complaint because Chime closed my account with my remaining balance. I'm requesting assistance to receive my balance that was due to me upon the closing of my account. I have not been able to verbally speak to anyone in reference to this matter. I am aware of an account closure but they need to send my funds in the form of a check. Please help me wit this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: Experian Information Solutions Inc.
State: NJ
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:
Reference previous Complaint XXXX that details the dates and actions taken to remedy this situation. 

Experian had commited to remove the voluminous fraudulent/incorrect/mixed information from my credit report ; however, this has not happened. Experian 's commitment is documented in a letter to Experian, that was attached in the above referenced complaint. This has been an almost two year effort to resolve this. 

All the fraudulent person information, false social security numbers ( over 30 different social security numbers! ), numerous names & addresses and accounts that do not belong to me are resulting in a poor credit rating that has adversely impacted 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 2015-08-03
Company: WASHINGTON FEDERAL BANK
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
After three attempts to refinance a balloon HELOC that comes due and payable in XXXX XXXX we have been denied any modification on our 2nd mortgage. We have attempted to ask for modification XXXX before and after an eminent bankruptcy in an attempt to keep our home. When starting a XXXX in XXXX XXXX it was recommended to us by an XXXX Bank that we should use the equity in our home as a XXXX loan in lieu of applying for an XXXX loan. The loan is written as a true balloon that comes due and payable in XXXX XXXX. It is our understanding that it is now illegal to write a balloon such as this. Through tough economical times we have lost our XXXX and are having difficulty paying the HELOC as a result. XXXX The XXXX always paid the HELOC ) Knowing we were faced with an eminent BK we first reached out to ask for a refi in XXXX XXXX with a different lender but were unable to be approved because WaFed was unable to release our credit rating to the repositories. WaFed had taken over the book of business after XXXX XXXX ( the original lender ) was taken over by the FDIC. By XXXX of XXXX, knowing BK was eminent, we applied for a modification with WaFed asking for help and fully disclosing the BK but were declined. We filed XXXX in XXXX XXXX. In XXXX XXXX, we once again contacted WaFed and asked if they would be able to help us modify our HELOC now that the BK would be discharged and released and were told that they would not be willing to work with us and that we should contact our attorney.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: PINNACLE RECOVERY, INC.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My wife and I purchased a timeshare condo on XXXX XXXX XXXX in XXXX. We made this purchase while on vacation, we have never returned to this timeshare. We did join XXXX and used some of the weeks for exchange to other timeshares. XXXX XXXX XXXX have always been difficult to communicate with, and I was tired of dealing with them. I did not remember how long the timeshare membership was for, but I was done with their business practices. The annual dues went up sharply, there were special assessments every time a storm went through the island. I thought the timeshare purchase was for 20 years so I wrote a letter to XXXX XXXX XXXX after the 20 year anniversary and informed them I was done. They just kept sending me bills. I called them several times and asked them what they needed to terminate this relationship, never got a firm answer just more bills coming in for quite a while. I haven't seen any bills from them for a few years. There is a large group of disgruntled timeshare owners who are working on a class action suit against the ownership group, they have changed their business name a few times. I don't know the exact name they are using now. I have a letter I wrote them in XXXX,

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX/XXXX 's credit collection agency and i came into a payment agreement where i would pay XXXX down and XXXX a month thereafter on a debt totaling XXXX. Also with payment arrangement XXXX/XXXX  's debt collection agency would then remove this debt collection off of all three credit reports. i have not received the contract, i mailed them XXXX, the negative item is still on my credit reports

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 2016-12-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On my credit report there is several companies that was listed on my credit report and was disputed because the account did not belong to me. The Companies could not provide information because they were not mines and they was deleted, but they reappeared on my credit report again and the companies are listed as : XXXX for {$900.00}, XXXX for {$520.00}, XXXX for {$600.00}, XXXX for {$55.00}, and XXXX for {$30.00}. These accounts do not belongs to me and they could not validate the debt and after it was removed the first time it was sold to another company and placed back on my credit report for all three bureaus. Please remove from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
The Credit bureaus stated my accout for XXXX XXXX Account # XXXX was properly investigated but how it that possile if there are multiple inaccuracies on my report? I have listed them : 1. Last verified- inaccurate 2. Date of last activity-inaccurate 3. Date reported- inaccurate 4. Date Opened- inaccurate 5. Closed date- inaccurate 6. Creditor remarks- inaccurate 7. Last Payment- inaccurate 8. Payment frequency- inaccurate 9 Two year payment history shows 4 30 p+lus days past due. if it's in collections how is it past due?

This is grounds for removal!

My rights have also been violated under 15 U.S.C. 1681 Sectipn 602 A which sttes thatI have the right to privacy.

15 U.S.C. 1681Section 604 A Section 2. It also states a consumer reporting agency can not furnish an acount without written instruction. I never gave written instruction!

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 2015-08-21
Company: WELLS FARGO & COMPANY
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In 2008 we found it was difficult to make our mortgage payment of XXXX, so we requested a loan modification. A trial mod was granted for 3 months which helped greatly. When my husband lost his job, the mod was rescinded because he was collecting unemployment. After contacting XXXX or more firms boasting to help obtain a loan modification for a few XXXX dollars we were advised to stop payments until the mod was approved..Of course it never was and the firm was no longer in existence.Now we were in foreclosure. After battling with the bank on occasions too numerous to recall we jumped through hoops to provide the proper documents to accelerate our application. Most times these were misplaced by the bank staff members and we had to resubmit repeatedly. After many meetings at the court house with the banks attorneys, we were still at square one..only now we owed the bank interest and penalties. As a last resort we attended a meeting in our state capitol with an agency to help people like us make some headway with our lenders.After four or five hours, we were told that we had been approved by our lender for a reduction of our interest rate previous to that day but were never notified. So now, after all is said and done, our rate dropped but our payment remains the same due to interest, penalties and late fees on the payments we were told not to make. Now we are underwater and although we are making our payments on time, our mortgage balance is higher than the original purchase price. We feel we were taken advantage of by several law firms preying on folks like us desperate to keep our homes in a waning economic climate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation