BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-17
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I called BMO to close my checking accounton XX/XX/23. I was assured it was closed. When trying to confirm this over secure message, I was informed that it was not actually closed on XXXX. 

I called BMO again to close my checking account on XXXX, thinking it was " just an error '' as I know they are merging with Bank of the West. Again, I was assured it was closed. The rep mentioned some issue with the reason for my closure causing a problem. The reason is simply that I am not using the account. 

Finally, after trying to confirm again that the account was closed, I received a secure message response from them on XXXX that my account still is not closed. Today, XXXX I see no indication that the checking account is closed either in my online account-everything is as its been the last few weeks. It should not take months to close an account  with a XXXX balance, nor multiple phone calls.

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 2021-03-13
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Over the course of less than 30 days, I was charged {$130.00} for four overdraft fees by Chase. When I asked that any or all be reversed, I received a message advising that they can not reverse any fees but suggested that I avoid fees in the future by making more deposits?? 

First, {$34.00} per single overdraft is excessive and should be reconsidered and reduced. Not only because we are in the middle of a pandemic, but because it seems usury in general. 

Second, deposit more money is an extremely tone-deaf response. Thank you for letting me know that you will charge me LESS in fees if I simply have more money. If this isnt taking advantage of low balance customers, I dont know what is.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-27
Company: SYNCHRONY FINANCIAL
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing to dispute the charge off in the amount of {$360.00} of Walmart account # XXXX. It shows a last payment on XX/XX/XXXX in the amount of {$35.00} dollars. This is inaccurate. I have copies of my credit report ( attached with this letter ) from XXXX and all three bureaus show reported payments received from XX/XX/XXXX up until XX/XX/XXXX. The payments listed on the credit report come to a total of {$380.00} ; however, there is an in-store payment that is not showing on the reports, that shows as not reported by you, that is around {$260.00} which means that you have received a total of {$640.00} ; {$270.00} more than the amount shown as charged off.Further, the account was sold to XXXX XXXX XXXX ( account # XXXX ), who is seeking to collect on the account as well. 
Payments were made through the online payment system. Prior to making payments, I spoke with a customer service representative to explain my financial hardship and my plan to resume payments along with the amounts that I was able to pay in XX/XX/XXXX. The customer service agent assured me that payments would be accepted and that my account would remain open so long as I remain current with my payments. I was never notified that my account would be and had been charged off during that time. 
I resumed payments after my hardship, using the online payment system, in the amount of {$35.00} dollars each month starting XX/XX/XXXX and noticed that the balance would never change ; however, I was too busy to follow-up. I also noticed that I no longer had an available balance on the card. In XX/XX/XXXX, I went into a store to make a payment on my card in the estimated amount of {$260.00}. The store accepted my payment and I assumed it was applied to my balance. I made a final payment in the amount of {$35.00} in XX/XX/XXXX assuming surely this should settle my balance, but your records never reflected as such. If my account was charged off, all payments made should have been directed towards the balance. 
I also noticed there is a change in the original balance shown for the original charge off. My credit report from XXXX shows an original charge off in the amount of {$150.00} ; however, my XXXX report shows an original charge off in the amount of {$360.00}.

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 2019-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 am very concerned about the validity and accuracy of the recent investigation done by Transunion. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Transunion failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. XXXX XXXX ( Original Creditor : XXXX XXXX ) 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 explanation
Consumer complaint received 2023-09-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am writing to seek help from Bank of America regarding a claim on XX/XX/2023, that has been recently closed. 

On XX/XX/2023, I visited a Bank of America ATM located in XXXX XXXX, Texas ( XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX ) to deposit {$1500.00} into my bank account. After I inserted my money into the ATM, an error occurred, and it printed out a receipt showing only {$1000.00}, which was {$460.00} short. Unfortunately, the bank was closed at that time, so I immediately called the number provided on the receipt to file a claim. As a result, an associate provided me with a temporary credit of {$460.00}. 

On XX/XX/2023, a message regarding the claim was sent to my bank account. However, I did not notice it initially because the message did not appear in the mobile app ; it only became visible when I accessed Bank of America through a computer. The content of the message stated, " We found the transaction you referenced but were unable to locate any record of cash or additional cash being deposited at the ATM for {$460.00} between XX/XX/2023, and XX/XX/2023. '' On XX/XX/2023, a credit reversal of {$460.00} was applied to my bank account. It was only at this point that I checked the message through a computer and realized the message sent by Bank of America, indicating that the case is now closed. 


on XX/XX/XXXX, I called bank of America ad they reopen the claim, they said they will get back to me in 3 business days, then 2 days later, they called and said there will be someone call me in the next 7 business days. it is taking so long now, and that money is really important to me since I am a college student living on paychecks and trying to pay my tuition. 
Claim ID : 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 monetary relief
Consumer complaint received 2023-08-26
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have never done business with XXXX XXXX XXXX XXXX. I did check the XXXX  consumer access website and this company is not licensed to do business in the state if IL

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 2021-11-15
Company: Capio Partners, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THE COMPANY, CAPIO PARTNERS, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION ACCORDING TO XXXX XXXX XXXX ( XXXX ). I AM AN NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX XXXX XXXX XXXX XXXX ( A ) ( XXXX ) The term Bureau means the Bureau of Consumer Financial Protection. XXXX, XXXX and XXXX are assumed to be credit bureaus and there is only one Bureau and that is the Consumer Financial Protection Bureau. On XX/XX/1933, Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that Wheras the holding or dealing in the gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... Are inconsistent with the declared policy of congress in the payment of debts. This resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency, or in a amount in money policy ; and.. .Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public or private debts. 15 USC 1681 ( 3 ) ( E ) ( e ) The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

According to the Fair Debt Collection Practices Act, codified as 15 USC 1692, you, as a Debt Collector are required by federal law to verify with the physical original written and signed consumer contract on recording, related to the account you are attempting to collect on. Otherwise, anyone paying for your Debt Collection services could fax, mail or email in a fraudulent account.

Your failure to verify* this account is trespass on right to privacy and to contract. Under the FDCPA, unverified accounts are considered a Fictitious Obligation and any demand for payment of such is an attempt to extort and administer property without right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-28
Company: Experian Information Solutions Inc.
State: CA
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:
To whom it may concern : Experian XXXX XXXX XXXX XXXX, TX XXXX I am contesting any information on my credit report that I believe is inaccurate. According to the Fair Credit Reporting Act ( FCRA ) and the Metro 2 reporting standard, data included in my credit report must be documented and validated before it is included on my report. I can not recognize or accept the allegation of delinquency and derogatoriness without factual proof.You must report this with the greatest compliance and accuracy possible. You shouldnt report any claims that you know or should know are not in compliance with regulations or the law.If any of the claims in my credit report are not true, please delete them immediately. 
Below is a summary of the data in which I am challenging : Summary of Inquiries being challenged in list form XXXX XXXX XXXXXXXX XXXX  ( XXXX ) - ( XXXX ) XX/XX/2022 Inquiries XXXX XXXX XXXX XXXX XX/XX/2022 Experian The request to remove these inquiries from my credit report has been made more than once, but I want them gone permanently. They are indeed violating the Fair Credit Reporting Act and should be deleted immediately! 
Sincerely, According to the law, you and data furnishers must certify all aspects of required FCRA/Metro 2 compliance. This must be done in a truthful, correct manner that is complete as well timely so it does not violate my consumer rights or civil freedoms! 
XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX, XXXX, CA XXXX I am writing to inform you that I am aware of your illegal practices of sending form letters in response to disputes and challenges from consumers, regardless of the specific information that they have provided. This is in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating my rights as a consumer. I will consider this to be an intentional disregard of my rights, and I will contact my lawyer to take legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: EQUIFAX, 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 information incorrect

Complaint:
I was behind on two payments but even though I was behind, they were still deducting a payment from my checking account each month. I called the company to pay the {$250.00} I was told I was behind on and which is also on my credit report and the representative told me that I owed them over {$1000.00}. After several minutes of trying to get her to explain to me why I had to pay over {$1000.00}, the rep told me to hold on while she updated my account, hung up on me and never called back. My monthly payment for this loan was {$110.00} every two weeks and payments were taken out of my checking account up until the month of XXXX which you see they started reporting it as late for three months, XXXX, XXXX and XXXX. I am able to provide you with my bank statement showing these payments were deducted from my checking account up until XXXX of this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
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: 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: DIRECMANAGEMENT, INC.
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hi, My daughter 's insurance is managed by her dad. All the medical bills associated with her XXXX or care through the XXXX XXXX XXXX should be in his name, and as well as all the other medical bills when I was out f work. This a problem. I called to have the bills transferred into his name but that has not happened. 

I also filled out a financial application which they have lost through XXXX and the University XXXX XXXX. This is also includes bills for the XXXX. There are also bills that have been sent to collection agency companies without going through the insurance claim process. The two companies are XXXX XXXX, Direct Management, and XXXX XXXX. 

The other problem is that the insurance company which is XXXX can not speak with me about the bills because my daughter 's coverage is in her dad 's name. XXXX met her threshold for her deductible in XXXX of 2018.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-14
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My home loan was sold to Truist. I had been paying every 2 weeks when I was with XXXX. In XXXX I was informed by my bank that Truist had sent my payment back. I called Truist to ask why. I was told there had been a glitch and that I would not be charged a late fee nor reported. I made payment. I started receiving info from credit cards that my credit had now been rescinded due to late property payment. I called Truist, was told they do not honor bi weekly payment I had with XXXX XXXX. I asked why I was not informed and was not given an answer. I was asked if I wanted to file a complaint for correction. I said yes. I was told it would " probably '' be denied. I received a letter denying my request. I have the letter from the bank saying they sent back payment. In addition, since I pay bi weekly there should have been money in the holding account that could have been applied. Truist has now sent me paperwork for people who can no longer make house payments despite the fact my payments are up to date. PLEASE stop them from harassing a hard working single mother.

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 2021-07-01
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I reported the illegal stealing from our account and no one is listening. Here is proof in black and white. Phh/Ocwen/homeq reported false 1098 to our taxes and then tried covering it up. They also reported fake amounts they paid in my escrow accounts which you will see I have attached. They reported fake late payments and fake NSF charges when I paid on the first. I do not have a checking account so how are there NSF charges? It's all forged. Please look at the attached documents and see for yourself. I want them to shut down and arrested for theft. Look at XXXX where they charged over XXXX for school taxes when the taxes were XXXX. This is fraud. Look at XXXX where they paid insurance twice for XXXX. Look at all the fake late payments and NSF fees. Everything circled I want a receipt for. I want copies of the checks they state are NSF. They are lying. I want everything in excel format and not this crazy format they are using. Look at the fake insurance companies and the long-form fees for XXXX XXXX. We have never gone without insurance and they forced their fake insurance and charged us. Please fine them for every mistake.

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 2018-08-21
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX XXXX with the address of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, phone # XXXX is attempting to collect a debt from an account that does not exist. The letter is in reference to a XXXX Citibank credit card account, which does not exist. I only have a membership with the XXXX XXXX, and have no credit account with them. The collection amount is {$280.00}, charge-off date XX/XX/2018. Letter was received XX/XX/18.

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 2021-06-30
Company: LEXISNEXIS
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: Information belongs to someone else

Complaint:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation