BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-10
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
In XXXX, My XXXX XXXX XXXXXXXX Checking Account got Closed due to Fraud Transaction. 
I was a victim of the Fraud Transaction, in XXXX around XXXX i posted an advertisement for my apartment to rent as i am moving out of XXXX and relocating to XXXX XXXX, XXXX due to Job Change. A person contacted me through the Advertisement which i posted in XXXXXXXX XXXX. he sent me a check to deposit in my account as rent in advance for the XXXX month, i tried to deposit twice as initial time it didnt work properly, so i asked him to send again and he sent again. I tried one more time, the check turned out to be Fraud check and XXXX ( XXXX ) immediately locked my account and told due to fraud transaction we are closing your account. i tried to speak with Bank but they didnt listen to me. From then i was not able to open checking account associated to my SSN. i tried to open in Chase bank, XXXX XXXX but all i got is application declined and gave an email to reach out to XXXX XXXX XXXX 

On XX/XX/XXXX, i spoke to customer service on XXXX XXXX XXXXs. They took note of every piece of info i gave and filed a compliant and told me with in 10-15 days i would receive a report which will give me the full information about the issue. but i have not received any letter as of now.

Please let me know how it can be resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Transunion has taken it upon themselves to place a fraud alert on my account without my consent or permission. This is causing me to be denied access to my credit report and credit. 

Transunion has been using deceptive and retaliatory practices sense I began disputing with the accuracy of my report as well as privacy on XX/XX/2022. When trying to call to get this fraud alert that only shows up in some places but not on their online website, I am told that there is a procedure to remove it but no one on the phone wants to help me through that process. 

Today at XXXX XXXX EST I spoke to XXXX XXXX ( who says that they don't have agent ID 's ) He began to walk me through the procedure but I told him I am not able to access the fraud alert portion of the website. However, on other websites I see there was a fraud alert placed on my credit report. I can access every other tab on my profile except that one, it shows an error screen. 

Now, Transunion has sent me a letter to an address that is inaccurate and I've been trying to correct that as well but all of their agents direct me to the website which I don't want to use. 

I am being denied access to my credit report, credit, and a fair, impartial investigation. 
XXXX and XXXX have deleted all the information Transunion is investigating so Transunion 's data on my credit report is inaccurate. Not only that but because of Transunion 's inaccurate reporting and lack of resolution I have been denied credit, even though my credit score has raised in other places because of the information being deleted as per my written instructions.

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 2019-08-06
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I changed my banking apps and when I filled in the address for my mortgage company I used the address on the letter head not realizing it was different than the address on the payment slip. When I made my first two payments on XX/XX/XXXX and XX/XX/XXXX they were sent to the wrong place. The problem is they cashed the checks and never put them towards my account. I have sent copies of cashed checks, had a three way call with the mortgage company my bank and myself confirming the money had been transferred, and a letter written by my bank all confirming they had received the money. The payment on XX/XX/XXXX was for XXXX and the payment on XX/XX/XXXX was for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have 2 issues using USAA banking services. 1st issue is that my checking account deposits are not being credited in a timely manner and my account has been put of a fraud alert. because I sold a truck to " XXXX '' and their check got returned and then they wired the funds the next business day and corrected the situation. NOW Usaa is putting my account on " fraud alert and I have now been on hold for almost 3 hours, with a representative trying to resolve this mistake. '' My time is valuable and its not being treated like such. 

2nd issues is USAA had a credit card rate offer of 6.9 % and my credit is excellent yet because USAA is using an outdated XXXX SCORE of XXXX, XXXX it shows a low XXXX score so they gave me an interest rate of 12.9 % AND I monitor my scores on XXXX site and istead of using my XXXX score of XXXX, they are using an outdated score of XXXX? this is not a good use of a range of interest 6 % higher by using an outdated XXXX score... how is this legal?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01
Company: Experian Information Solutions Inc.
State: CA
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: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 
-ACCOUNT- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Per what is showing and in dispute on my credit report date-XXXX amount- {$810.00} actions that were taken by you or the company-reported on my credit report, processing dispute, advised me to complete this form to finalize the dispute MIDLAND FUNDING XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX amount- {$590.00} actions that were taken by you or the company-reported on my credit report, processing dispute, advised me to complete this form to finalize the dispute MIDLAND FUNDING XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The bank I 'm with is not updating my transactions in real time for XXXX and delaying my deposit from them X/XX/2017 I have tried contacting them through social media and updating several times through the app.

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 2022-09-06
Company: EQUIFAX, INC.
State: NV
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 XXXX Equifax has Violated my Rights 15 U.S.C 1681 section 602 A. States I have the Rights to Privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: Experian Information Solutions Inc.
State: MD
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 file one complaint on XXXX XXXX XXXX and today I received a notice that this fraudulent account was updated again and it cost my score to drop. This should be removed from my account as I HAVE NEVER HAD A XXXX XXXX  CARD. I did again reach out to them and if they don't stop this activity I am going to my local XXXX  State Police Troop XXXX and report it. How can they take pleasure in destroying peoples lives? They have failed to provide any of the credit bureaus with information and refuse to send anything to me. They have a XXXX  address and I have lived in XXXX  for 31 years.

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 2017-06-23
Company: EVERBANK, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I 've been trying to have Everbank remove PMI from my mortgage. Below is the summary I sent to Everbank outlining my issues. <P/>This letter was originally faxed on XX/XX/XXXX to XXXX. Per my follow up call on XX/XX/XXXX, the representative confirmed that the fax was received on XX/XX/XXXX and that it had only been 25 days and the process takes 30, and instructed me that I should wait and I would receive a letter after the 30 day period. I did not receive a letter, so I called back on XX/XX/XXXX and the representative XXXX stated that he saw in the notes on XX/XX/XXXX stating that the letter was received, but he could not find it in the system. He had no explanation, after checking for an extended period, what happened to the letter. Speaking w/ his supervisor XXXX , she instructed me to fax in another copy to the priority number and said that she would monitor and make sure it was processed this time. I called back on XX/XX/XXXX to check a second time and the representative said she again could not find the XX/XX/XXXX letter. She instructed me to send to the priority fax number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: Tesani Management Inc
State: UT
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Lift Credit filed a garnishment with my employer with no prior notice or legal documents given to me. When I contacted Lift Credit they told me that is was in regards to a loan given almost 3 years prior. I advised them that I had no knowledge of the loan and I needed proof of debit and the agent refused to send that to me and said that she would have to talk to her manager. I tried calling back the company the next day for the info, and they advised me that the agent I needed to talk to was n't there and that they would have them call me back and I never heard from them again. <P/>- They have refused to provide me proof of debit - They have never emailed me or mailed me any details - The information on the loan that they were willing to share with me was out of date and invalid. Over 10 years out of date! - No legal notice was provided to me that they were planning on taking me to court so I could represent or protect myself. - They company on the phone has refused to provide me any assistance. They told me the only way they would help me is if I take legal action back against them. - The were very unfair not giving me a chance to get this corrected or reviewed. - They were very deceptive on what info that would provide and what things they considered valid reasons for taking action against me. They would present things one way and then do another. - Not to mention, I do n't know how it is legal for any company to charge 300 % APR

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Genesis FS Card Services, Inc.
State: NC
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:
I was looking over my consumer report and I noticed that a Charge off is reporting on my consumer report that should not be there because the information is different across the Credit Reporting Agencies which means it's inaccurate and in violation of the FCRA. The IRS also defines what a charge-off is. As defined by the IRS Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross income on your tax return unless one of the exceptions or exclusions described later applies 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Bank of American I believe has preditory lending on my home. They did a refinance of my property and then after the mortgage was signed they added in a loan modification and included a property that is owned free and clear without my knowledge. They gave me a XXXX year loan in which I will not be alive in XXXX years, and added my other property to the loan re fi without my knowledge. My realtor noticed a title issue that there was a mortgage XXXX on my property that was never included in the refi of the other property. It felt as if Bank of America is trying to take both my properties. They never notified me or had me sign a document for this exhibit. I have asked them to remove the free and clear property as this was not discussed or approved or even needed for my refi. They have given me the run around for the past XXXX months, saying they made a mistake and will modify the loan to remove the free and clear owned property from the loan. They still have not done this. 
That property is for sale, and this will hold up the sale and caused a major titling issue. We feel they did this on purpose to try and take both properties without us finding out. They will not resolve the issue. They added the other property without notifying us. They modified our loan without disclosure or notice. We have requested they remove the property immediately, they agreed, and still nothing. We feel they are trying to give us a loan they know we won't live long enough to pay off so they can take our properties. I am XXXX and they gave us a XXXX year loan. 
I want to sue them as this is illegal.

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 2017-04-10
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Citizens One Banks wrongly clai ms my   XXXX    XXXX  payment has changed from {$600.00} per month to {$650.00} .Last year i submitted auto debits for these higher payments but have since stopped them. I have ( STOP PAYMENT ) letters from the bank for each one auto debit indicating they ( both ) have been cancelled  .The first  dated   XXXX   for the {$600.00} the second dated  X/XX/XXXX  for the {$650.00} payment. My normal monthly contract payment show {$530.00}. On the  Citizens   One  ( website only ) it now wrongly displays {$650.00} per month. On   XXXX    XXXX  and  XXXX   XXXX  it show the correct contract amount of {$530.00}   XXXX  .I did receive a letter from The Chairman  XXXX   XXXX  (  XXXX  ) indicating the payment has been updated but sadly my payments on line ( Citizens  One  ) still showing {$650.00}. When i made my {$530.00} payment it shows a balance of {$11.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This is a formal complaint regarding the wrongful re-instatement reporting of a collection for XXXX XXXX XXXX initiated by the following 3 agencies Equifax Credit reporting agency XXXX XXXX XXXX XXXX GA XXXX XXXX credit reporting agency XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, WI XXXX This XX/XX/XXXX I discovered ( negative credit item and account number ) had been re-inserted into my credit file. They are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. <P/>XXXX had removed the collection from my Credit Reports on XX/XX/XXXX InXX/XX/XXXX( 2 YEARS LATER ) I was notified by my credit monitoring service that this same collection was re-added to my XXXX and Equifax Credit reports. <P/>I was not notified of the reporting being reinstated over the 2 year period by any party at any time as per the FRCA requirement Cited below :

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Synchrony Credit Services : Recently I discovered what I thought was a horrible service being provided by this company. I have made payments of various amounts to my account through my XXXX XXXX Bill Pay but the payments are not being posted to my account and Im being charged late fees. Listed is a schedule of payments to my account : Payment date Amount XX/XX/XXXX{$95.00} XX/XX/XXXX XXXX Late FEE Charged XX/XX/XXXXXXXX Interest charged along with Late FEE XX/XX/XXXX XXXX Interest with Late FEEXX/XX/XXXX XXXX XX/XX/XXXX XXXX  When I phoned customer service, I spoke with someone ( who wouldnt provide their name ) and advised me that I should may payments closer to the due date to avoid late fees. Ive never heard of such a thing. Who penalizes a customer for making a payment? I can not tell you how disappointed I am in that Im being penalized for making timely payments. The representative told me that I was being penalized for early payments. When I asked to have a copy of whatever agreement she was referencing sent to me via email or regular mail she said that she could not send it. She told me to go online and use the agreement that Belk has for everyone. ARE YOU SERIOUS? Nope, she was graveyard calm as she relayed this information.
<P/>
After a long waste of time conversation, I thanked her and noted that when I phoned, I was offered the chance to take a survey and to leave comments after the call. Once she hung up, I would be automatically transferred. Guess what she never hung up the phone. She was insisting instead that someone would call me. That call never came, no one EVER reached out to me via email or otherwise. Considering how the phone call was handled, I cant say that Im surprised. Ill let you in on this one trick ; when you have a customer on the other line and the representative ( not the customer ) doesnt hang up, the call doesnt transfer to leave comments and take the survey ( if offered ). Im guessing no one who suggested the survey after the call service ever tried it out. The representative can mute the phone but as long as they dont hang up, your call will not be transferred to do this survey.
<P/>
I 'm asking for assistance in that I believe the Synchrony Credit Services is : 1. Intentionally penalizing customers and forcing them to make additional payments to cover 'Late Fees ' being erroneously being charged by the company 2. Failure to provide documents showing how the company bills its clients and better explain billing cycles 3. Failure to allow the customer to speak to someone in a higher position 4. Not taking proper messages and passing them on to someone who could engage with the customer and reach a solution

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