BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-14
Company: JPMORGAN CHASE & CO.
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I am a XXXX XXXX. On XX/XX/XXXX, I received a request by email for a my availability for a filming job in XXXX XXXX XXXX. After several e-mails back and forth with this person, I accepted the job and they sent me a check for advance payment. I received the check on XX/XX/XXXX for {$6500.00} ( see attached ) and deposited it in my account at Chase Bank via the ATM. On Monday, XX/XX/XXXX, I called the bank the check was drawn on ( XXXX XXXX ) to verify funds. Later that day, I tried to make a deposit to my Chase account so I would not overdraft ( since the check had not yet cleared ), and was told the account was restricted and I needed to call an 800 number. I called the number and was told that my account had been cancelled and that Chase Bank no longer wanted me as a customer. I had been a customer there for 11 years. I kept escalating the call to manager after manager and got no explanation. 

On XX/XX/XXXX, I went to a branch of Chase Bank in XXXX XXXX XXXX and met with the manager. He looked at my account and said there was nothing he could do to reverse it and that I was a risk to the bank. The check had cleared but he said that I could not have the money, again with no explanation. He then made a couple of phone calls and acted like he was trying to make a case on my behalf but was unsuccessful. I was treated like I was a criminal with no explanation. He said I was banned for life from have a Chase checking account. I asked him about my two credit cards and was told that I could keep them, again with no explanation. 

I told the manager that I have direct deposits that come to that account and he told me that IF that happened, I could come to that branch only and he would give me the money. ( That did happen a few days later and by going to THAT branch, I was able to get my funds. A second direct deposit went to my account and they would NOT give me the funds, but mailed me a check about a week later. Very frustrating. ) At the end of the conversation, my mother ( who had gone with me to the meeting ) asked the manager if this was because of the check I had deposited and the manager said yes. That is the only explanation I ever received. I can only assume that the check was fraudulent and Chase Bank assumed that I was in on the fraud ( which I was NOT! ). The proceeds from the check disappeared from my account and Chase charged me a {$12.00} stop payment fee. 

I feel I have been treated unfairly and had to go to great lengths to set up a new account at another bank and get everything transferred over. 

I am happy to provide the string of e-mails I received concerning this job offer if this would help your investigation. 

Basically, I want an explanation of why I was treated like a criminal when I am the victim here. I filed a police report and have the case number if you would like to have it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-19
Company: Experian Information Solutions Inc.
State: WI
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  account # XXXX account # XXXX Account # XXXX has violated my rights. XXXX XXXX account # XXXX has violated my rights. XXXX XXXX Account # XXXX has violated my rights. XXXX XXXX XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U, S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without 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 explanation
Consumer complaint received 2023-04-20
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:
I had reached XXXX XXXX, XXXX  and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-01
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I CHECKED MY CREDIT REPORTS AND FOUND FRAUDULENT INFORMATION I CONTACTED THE THREE CREDIT BUREAUS THEY ADVISED ME TO GET A POLICE REPORT SO THE FRAUD CAN BE REMOVED FROM MY NAME. I DID THAT AND SENT IT IN TO THE CREDIT BUREAUS, XXXX WAS THE ONLY COMPANY THAT REMOVED ALL FRAUDULENT ACCOUNTS AND INFORMATION XXXX AND EXPERIAN DID NOTHING. I WANT THIS FRAUD REMOVED FROM MY NAME ASAP. THIS INFORMATON IS DEMAGING MY NAME AND CREDIT WORTHNESS. FRAUDULENT ACCOUNTS : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX 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 2020-12-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2020 XXXX California time XXXX XXXX, a remittance center, got hacked and saw emails that I sent a total amount of {$2200.00} in a bank account in the XXXX  without my authorization. There were a total of 17 transactions that were processed without my knowledge ( and as I was sleeping ). The hacker sent {$120.00} x 4 named through my sister, and {$130.00} x 13 transactions named through my auntie into a ONE bank account in the XXXX. I was told by my sister in the XXXX that she got multiple text messages about how I sent money multiple times, but it wasn't towards her account. It turned out that the hacker used my auntie and sister 's phone number and address, and use their own hacker 's bank account and name to receive the money. 

I escalated the issue to XXXX and I was told that they guaranteed that they will give my money back. During the phone calls, they found out that my one-time passcode was XXXX by the hacker, hence why it did not prompt me for log-in back, and that 2 login attempts in 2 different parts of California were recorded ( one in XXXX, one in XXXX XXXX ). After hours of call with them, they said they will be working with my Bank of America regarding this issue. 

After the call with XXXX, I filed a claim in BofA through call and told them about this incidence. I was told that they will do my best regarding this situation, and will try to resolve it in 10 days. 

Today, XX/XX/2020, they closed my claim and denied it. They said that : " Our records show the transaction activity in question was authorized and posted correctly to your account. '' The problem is that at XXXX XXXX  on the morning of that day I was hacked, I was sleeping. 17 transactions were made multiple times and how come that did not flag BofA. On top of that, they charged me with monthly maintenance fee because of my account balance being below {$1500.00} a few days ago. 

I have attached the transactions in this e-mail

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 2023-04-20
Company: Specialized Loan Servicing Holdings LLC
State: TN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX XXXX and filed a previous complaint which according Specialized Loan Servicing was filed wrong and they cancelled my case. They offered no resolution to the original complaint number with consumer finance is COMPLAINT ID XXXX. This was their reply Re : Account Ending in XXXX The Reinstatement Quote requested in case ID XXXX has been cancelled due to Incorrect Request Type. Please contact us at XXXX to learn more and open a new Send Correspondence if needed My bankruptcy lawyer says that the XXXX  XXXX will halt this process at this point it looks like my only hope. These people have no interest in helping they seem only interested in trying to taking my house. I dont know how they think this is valid response.

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 2022-11-17
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: Information belongs to someone else

Complaint:
Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and DELETED in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
COVID-19 Deferment offer I have a 30 year mortgage with Bank of America acct # XXXX. 
This mortgage was funded in XXXX and I have never been late until covid-19 Beginning in XX/XX/XXXX I called Bank of America customer service and spoke to a XXXX in the call center to learn more about COVID-19 relief. At this point in time the customer service team was not thoroughly trained on what was being offered and the initial customer service rep did not even know the difference between forbearance and deferment!

I was referred to a supervisor ( XXXX ) in the Tennessee office who advised me to call back after she had more information. I called back after 24 hours and verified with supervisor that I would be given a true Deferment option after 90 days which would add 3 months onto the end of my 30 year term as opposed to asking for a balloon payment of 3 months mortgage or modification of my loan with all the interested added to my principle. I was very, very, very clear about this and the difference between the two. 

I also said that I probably would only need 2 months not 3 but was also advised too wait the full 3 months and build up any reserves I would need. Which further compounds a forbearance issue.

After, signing up for program over the phone ( which at no point did I agree to forbearance terms nor did I sign forbearance terms ) I did not make XX/XX/XXXX mortgage payment. 

After, a month I received a notice in the mail that I had a mortgage specialist assigned to me and that I was on the forbearance program! I tried multiple times to contact the specialist who never, ever called me back. I then called customer care again on XXXX and spoke to a ( XXXX  ) & ( XXXX  ). re-explaining that I was on a deferment and not a forbearance and they said the specialist would call me back! ( nobody called me back ) I called one last time on XX/XX/XXXX again reaching the same rep ( XXXX  ) who said she would transfer me to a supervisor but was disconnected during the transfer

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 2023-07-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I applied for a credit card online, i was not sent a letter telling me i was denied. I called the company bank of america. The auto service told me i was denied. XX/XX/2023 I got a letter. This is clearly discrimination and breaking of the laws 15 usc 1611, 15 usc 1640 and 1691e. I would just like to let you know this company has denied a consumer the right to extend my credit, which is clearly something they cant do under the ECOA.

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 2022-10-05
Company: EQUIFAX, INC.
State: MO
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 items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: EQUIFAX, INC.
State: FL
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 recently pulled my credit report, and there has been a FRADULENT ACCOUNT opened on my credit report on XXXX and XXXX. This is ruining my credit and I am unable to use financial resources in need for myself and family during this pandemic.

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 2021-02-16
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My lender, Rushmore Loan Management Services, would not remove my PMI despite my principal balance being less than 78 % of the original home value. I made mailed, faxed, and phone requests in XXXX to have PMI removed. First they stated I had not hit 75 % LTV which was required for loans less than 5 years old. I paid down to below 75 % of the home value over the next 2 months. Then they said my PMI can not be cancelled until 5 years after the original loan of XX/XX/XXXX. I waited and again requested PMI cancellation in XX/XX/XXXX in which I never heard a response. My loan was at about 50 % of the original value at this time. I had made two phone calls to resolve this, but they only ever sent me a generic letter that said my loan needs to be 75 % LTV. Before my final payment in XX/XX/XXXX, I again tried to resolve this issue. In a letter, they acknowledged my loan was 0.4 % of the original home value but they still refused to remove the private mortgage insurance. Now they required a mandatory inspection. Every time I tried to remove PMI, they came up with a new rule. There was never any clarity and they constantly gave me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
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: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-02
Company: EQUIFAX, INC.
State: PA
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 WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE THE ITEMS I NEED DELETED ARE LISTED IN THIS REPORT. I AM A VICTIM OF IDENTITY THEFT & DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Hi, I am writing to dispute a fraudulent transaction on my XXXX Prepaid account ending in XXXX in the amount of {$7100.00} I am a victim of Identify theft and I did not make these transactions. I was out of country from XX/XX/2023 until XX/XX/2023. When I returned home on XX/XX/XXXX, that is when I discovered I was robbed while I was away. I had my XXXX Prepaid debit card in my drawer, and I also had a book in which I had written down my pin. I have made a police report regarding this incident. I submitted my claim with Bank of America and they denied my claim. I have submitted all documents to help with my claim. I do not believe they did a proper investigation regarding this matter because i did not make those transactions and i certainly don't agree with their decision. 
Their decision to deny my claim has brought many financial issues which i am dealing with such as not being able to pay my bills since this the only source of my income.I am asking Bank of America to investigate this matter and correct the fraudulent charges made on my account to be credited back to my account asap. Thank you very much.

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 2017-11-13
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
DIVERSIFIED CONSULTANTS IN is reporting a collection on my account which has already been paid. Back in XXXX XXXX, DIVERSIFIED CONSULTANTS IN agreed to delete my account when it was paid. I believe it was called a pay for delete. I checked my credit the other day and found they are still reporting this account in collection. Per our oral agreement I would like DIVERSIFIED CONSULTANTS IN to remove this account from my credit file.Please assist in getting it removed my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: Experian Information Solutions Inc.
State: NJ
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : Account Name XXXX Department XXXX # XXXX {$410.00} Account name : XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX XXXX XXXX 0 % has violated my rights. 15 U.S.C 1681 section 602 A States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions. 15 U.S.C 1681e. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S C. 16818-2 ( AX1 ) 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.

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 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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