BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-04
Company: M&T BANK CORPORATION
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
M & T Bank holds my loan for my house at. This was a VA loan that I assumed from the old owner, assumed approximately XX/XX/XXXX. Regarding property insurance, my spouse and co-owner submitted our proof of insurance from farmers at least 3 times to M & T Bank, this was a condition of assuming the loan. The old owners held their insurance through XXXX, apparently their policy wasn't formally cancelled until XX/XX/XXXX, after XXXX sent a bill to M & T for insurance for the following year totaling approximately {$3600.00}. M & T paid the XXXX bill without verifying the names currently attached to the loan. 
This could have been an employee or a computer error. Through phone calls first to procure my first mortgage statement M & T had put the old owners new address down as my mailing address along with a there phone number, it took several phone calls and reentries to get this straightened out, if it is straightened out. There were letters and bills that were apparently sent out but the went to the wrong address. Under an assumption with M & T bank there is no capability of adding online access to the new home loan owner. Additionally the employees I have spoken to over the phone are not authorized to send pertaining documents to me. 
M & T did their own escrow analysis and increased my monthly mortgage by approx. {$300.00} a month to cover the Mortgage. I have ordered a new escrow analysis twice, several employees have confirmed what I described is what happened. M & T has provided me with the old owners XXXX policy number and advised me to contact them, explain the situation and once a refund is issued a new escrow analysis can be performed and in two or three months the payment will revert back to the original value. M & T is not authorized to contact XXXX themselves. However XXXX can not issue a refund to me for the old owners policy number because I am not listed on that policy. I paid the incorrect amount in for XXXX because I was afraid of going into delinquency. After being promised I wouldn't be held responsible for late fees or reported to the credit bureaus if I withheld payment until this was resolved I received a letter dated XX/XX/XXXX stating they were correct to report me. I then paid XXXX bill in the correct amount that they state is {$300.00} short.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
42 U.S. Code 1320d9 - Application of HIPAA regulations to genetic information The Secretary shall revise the HIPAA privacy regulation ( as defined in subsection ( b ) ) so it is consistent with the following : ( 1 ) Genetic information shall be treated as health information described in section 1320d ( 4 ) ( B ) of this title. 
( 2 ) The use or disclosure by a covered entity that is a group health plan, health insurance issuer that issues health insurance coverage, or issuer of a medicare supplemental policy of protected health information that is genetic information about an individual for underwriting purposes under the group health plan, health insurance coverage, or medicare supplemental policy shall not be a permitted use or disclosure. 
( 3 ) HIPAA privacy regulation The term HIPAA privacy regulation means the regulations promulgated by the Secretary under this part and section 264 of the Health Insurance Portability and Accountability Act of 1996 ( 42 U.S.C. 1320d2 note ). 
I have disputes regarding information that is being reported in my credit file. 
XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX Neither Transunion, XXXX, nor XXXX can accurately validate/verify the debt owed as it is not allowed under the HIPPA Privacy Rule. 
15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

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 2022-06-21
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I used Citibank to make two payments on Friday, XX/XX/2022 through XXXX- both payments were for {$310.00}. Both payments are listed as 'processing'- neither one has been paid and I am being told that it is impossible to cancel the payment. I was told on Friday by Citibank that it would take 2 business days to process because of an OFAC investigation and that there was nothing they could do. It is now Tuesday. The payments are still showing as 'processing. ' The Citibank representative told me today that it could take up to six days. Citibank still claims they still can not cancel the transfer. They recommend I pay the person I owe the money to in a different way and then hope that person gives me back the money if an when the XXXX payment actually goes through! There is no way to speak to someone at XXXX. They claim it is up to Citibank to address the problem. Citibank claims it is out of their hands.

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 2022-07-27
Company: EQUIFAX, INC.
State: MS
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: SECURITY CREDIT SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I never had a student loan. I am the victim of identity theft. Security Credit Systems , INC. has sent a request for a debt with the following : -hand written interest rates in ink -a " contract '' without a signature -an address I never lived at -a name that is not mine -relatives/references that I do not know -a phone number that is not mine - a " contract '' stating amount financed of {$2800.00} and total of payments of {$2800.00} indicating this has been paid -a section stating " number of payments '' with report of XXXX payments being made on this fraudulent loan I have never had a student loan. I have never given written permission for a third party to have my personal and private information. I have never utilized the name on the " contract ''. I have never signed any document to take out a loan/money with this company nor XXXX University XXXX 

You have illegally reported information to several third parties and credit bureaus. Your fraudulent practice and this fraudulent loan has tarnished my name and my buying power. 

Security Credit Systems hand wrote in information on a " contract '' showing how fraudulent it is and how this is not a valid contract, clearly showing there is not a signature line. On the " contract '' there are also changes in font and font size showing this has been doctored up just to attempt to claim a fraudulent debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: EQUIFAX, INC.
State: CO
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 ordered a free credit report through the FTC on XX/XX/22 for XXXX, XXXX, and Equifax. I was only able to get a report through XXXX and I noticed there was a XXXX XXXX XXXX account on my report that did not belong to me. I filed a dispute with XXXX, but I was unable to with XXXX and Equifax as I was not able to receive a report in the first place from either company. I just want to ensure that this XXXX XXXX XXXX XXXX which does not belong to me, does not show up on any of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Credit Karma, LLC
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check from XXXX XXXX XXXX XXXX via mobile deposit to my credit karma account. After chatting with a representative and calling a supervisor I have been told my funds will not be available until XX/XX/XXXX which is a week after I deposited the check. On credit karmas website it states While deposited checks are generally available in your account the following business day for the first {$220.00} and the business day after that for the remaining balance, there are some exceptions. Several types of checks will be available in full the following business day, rather than only in part. 
Those checks include the following : Checks from the XXXXXXXX XXXX  XXXX orders Checks from the Federal Reserve XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX from state or local governments Cashier 's checks I have attached the information from the website and the correspondence email I received from XXXX a supervisor at credit karma. 

This is false information given to the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Chase Mortgage refuses to help me with the payment I got assistant from Massachusetts state mortgage assistance for payment but Chase keep refusing to send them the document they asked for for about XXXX months now. Chase mortgage account # XXXX Address XXXX XXXX XXXX XXXX Ma XXXX Name of account holder : XXXX XXXX Last message received from https : XXXX Upon review I found we did receive a record from your mortgage company on XXXX however it was incomplete and came over in a failed status. 

Our Failed Record Team is working on getting the completed record from your mortgage company. 


Should you speak with someone at your Mortgage Company that is familiar with the loan validation ( AKA : Common Data Files or CDF ) records you can tell them the record was missing the following information : The LoanStatus ( BE ) is missing. 
These fields require correction. 

Once the corrected record is received the Eligibility Review process can continue. 
XXXX XXXX Complaints & Appeals Analyst

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My complaint is with CaptialOne Saks Fifth Ave. 
I first noticed fraudulent activity on XX/XX/2022, when there were inquiries on my credit report, but I had not recently applied for credit. I promptly initiated a credit freeze with all three credit bureaus and began working with an ID protection company. The Restoration Specialist and I have made several calls to CapitalOne to seek resolution to the fraud. A detail of events is below : I received a letter dated XX/XX/2022, stating that I was approved for a CapitalOne - Saks Fifth Ave credit card for {$3000.00}. I did not, nor have ever, applied for credit from Saks Fifth Ave. 
On XX/XX/XXXX, I called CapitalOne, along with my Restoration Specialist, and we spoke with XXXX. I was told the Saks Fifth Ave account was opened but " immediately suspended for suspicious activity '', that the account would be closed, and the credit bureaus would be notified to delete the inaccuracies in my reports. 
On XX/XX/XXXX, I noticed in my credit report that the Saks Fifth Ave account WAS opened, and someone had made fraudulent purchases on the account. We called CapitalOne again, first speaking with XXXX who told us the Saks Fifth Ave card was approved, but a XXXX XXXX card was declined. ( Note : I did not apply for either ). We then spoke with XXXX. I repeated the information about the fraud and requested the account would be closed ( as we thought it would be after the first call to CapitalOne ). XXXX said CapitalOne would initiate an investigation and that I may receive a call from a fraud adjuster to provide more information. ( This call never came ). 
On XX/XX/XXXX, per the advice of my Restoration Specialist, I filed a local police report to have official documentation of the fraudulent activity. 
I received a letter from CapitalOne dated XX/XX/2022, stating CapitalOnes investigation was complete and deemed that I would be responsible for charges totaling {$2800.00}. The reasons stated were : We received signed documents, dated prior to the date of your fraud claim, acknowledging this account is valid and Activity on the account indicated you opened an interacted with this account. I have never received copies of such signed documents, and I have never made purchases using the card -- any interaction/purchases on the account are fraudulent.

According to my credit reports, the CapitalOne -Saks Fifth Ave account was closed with the outstanding balance {$2800.00}. 
We intend to call CapitalOne again to request they re-open the fraud/dispute investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-06-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
locked out of the mobile app and can not activate new debit card tried contacting Customer Service over 5 times with over hour-long hold times. 
contacted via social media as well with no resolution. 
after calling today and getting a callback rep advised me they need me to speak to a " specialist '' was transferred back to the IVR again and then waited for a new agent for 63 minutes before hanging up. 
I can not access my account online or activate my new debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: Southern Management Systems 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: Account status incorrect

Complaint:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting XXXX correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S code 1681e ( b ) and 15 U.s Code 1681i ( 5 ) this account is in severe violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? How is that I made no promise to make payments on this account and instead paid it through a settlement agreement and it has been reporting severely past due since 2017. This account, might I add was agreed to be deleted and was deleted only to be put back days later. This account/agency has misrepresented the date of status or last activity ( XXXX ) to re-age the account for any reason such 1. Attempting to modify the credit bureaus statue of limitations on reporting ( 7-10 ) 2. Attempting to modify my statues of limitations for a lawsuit 3. Attempting to increase score damage and coerce payment by making the debt appear newer in age Which are all violations of my rights. As a consumer, I request to know all steps your agency took to insure this item is 100 % accurate under 15 U.S.C & 1681i ( 7 ) Method of verification-Description of reinvestigation. Reporting act Account # XXXX

Company response to consumer: Closed with explanation