BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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/XXXX, I contacted Bank of America because I noticed a fraudulent charge. I was charged 4 times by XXXX XXXX for {$630.00}. 

I made contact with Bank of America representatives on XX/XX/XXXX, XXXX, XXXX, XXXX and XXXX as well as on XX/XX/XXXX ( contact was made both in person at a financial center and over the phone ). The XXXX  case was closed several times saying that these charges were authorized and posted correctly. These charges were not authorized. I am not and have never been a subscriber of XXXX. No one has or has had access to my debit card number other than me. This is 100 % XXXX. I am willing to provide any additional information that will help resolve this. Thank you in advance.

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 2019-01-19
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
This is in reference to Complaint number : XXXX-XXXX. Wells Fargo issued a response to the previous complaint, however, they did not actually do what they said they were going to do. 

In their response to my prior complaint, their letter says, " After reaching out to Branch Manager XXXX, our office was informed that she would be able to waive the stop payment fee. '' However, when I attempted to go to the bank and collect my money yesterday, I was told that the branch manager was unavailable and that they had no interim branch manager. Today I received a call stating that the stop payment fee would be waived and I would be charged a {$30.00} surety bond fee instead in order to reclaim my money. Otherwise, they said I had to wait until XX/XX/XXXX to reclaim by money without a fee. A fee by any other name is still a fee. I closed by account in XXXX and simply want the {$1500.00} that was left in the account back -- no more, no less. Unfortunately, Wells Fargo has made that impossible for me and insists on charging me excess fees for a check they allegedly issued that I never received. Furthermore, their response to my prior CFPB complaint was incredibly deceptive ; they simply replaced 1 fee with another.

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 2023-03-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Pursuant 15 USC 1681a 2 ( A ) ( i ) -EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I recently received a copy of my ( XXXX, XXXX, or XXXX ) consumer report, and I noticed that it is reporting my experience with your company. 
The line of credit I have with your company, which is characterized as utilization on my consumer reports. YOUR COMPANY IS ILLEGALLY REPORTING THIS TRANSACTION AND EXPERIENCE ( late payment/utilization ) ON MY CONSUMER REPORT!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: EQUIFAX, 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 a victim of fraud there are accounts on my report that were opened fraudulently that I am trying to get removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Wells Fargo closed my account. Its been over 3 weeks and theyve still not sent my balance I had in my account. 

Ive called them several times and they keep telling me unreasonable stories. I needed that money to take care of a sick XXXX uncle. 

I guess Wells Fargo will rather keep peoples money and use it for whatever they want to use it for, and give it back at their own convenience. This is Very very unethical.

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 2022-10-28
Company: EQUIFAX, INC.
State: MO
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$340000.00} XXXX XXXX  XXXX Balance : {$33000.00} 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 2020-03-27
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to the Covid 19 crisis I have been forced to work on an extremely limited basis. As a XXXX individual my income went to almost nothing during the month. On XX/XX/ another similarly situated XXXX friend called me and advised he had called his mortgage services-XXXX- and in compliance w/the Govts directive gave him an automatic 3 month forebearance and deferred his payments to the back of the loan-all in less than 1 hr. I called my services-Shellpoint Mortgage Servicing. Was on hold for 2 hours- and was then told 1 ) someone wd call me back in 7-10 days & 2 ) they  werent aware of the 3 month deferral out of necessity. I believe something should be done immediately before Shellpoint creates greater stress & hardship on borrowers who have no income coming in due to a crisis not of their own making. Its just terribly wrong. As w/XXXX  these problems can be resolved in an hour.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: BANK OF THE WEST
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My husband deposited a check that is in both of our names on XX/XX/XXXX at the bank of the west XXXX XXXX XXXX XXXX Colorado XXXX for {$1500.00} and this bank lost our check and they are just giving us the run around of not knowing when this issue will be resolved. First they told us oh it is probably still in the ATM will now the story is they cant find it. I want the money and I want it now with out the run around. This is their fault they need to fix this. My husband has proof of depositing the check.

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 2020-03-27
Company: PENTAGON FEDERAL CREDIT UNION
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: Old information reappears or never goes away

Complaint:
Pentagon Federal Credit Union was removed from my credit file about 3 years ago. At this present time the credit account is appearing on my file once again.

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 2023-03-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have always paid my CapitalOne XXXX bill on time and in full. For some reason my payment due XXXX XXXX set up via electronic transfer was posted a day late by Capital One. I called Customer Service, spoke to XXXX XX/XX/23 and was told the late fee & interest would be removed from my account. I asked if future interest would accrue & was told that if it did I should simply call & it would be removed. Got my bill due XX/XX/XXXX and, after having paid my XXXX bill in full, received a {$13.00} interest charge. I again called Customer Service to explain that I was told to call if any interest appeared -- and was told the agent couldn't do anything about it. I asked for a Supervisor and was transferred to XXXX. He told me he could remove the charges, but I had to pay the amount of the bill plus the interest charge. I told him that was not what I was told and that I shouldn't have to pay the interest charges. Further, I explained that if they were going to use predatory practices, I would simply cancel the account. He hung up on me. I then called Customer Service again, explained what had transpired, and told them I was going to pay for all my purchases now & wanted my account closed. They refused to do that unless I agreed to their terms which would require me to pay interest until I paid my bill plus accrued interest. I tried to pay my bill on line and it would not let me pay the full amount of my total purchases to date. Thus they continue to lie & steal. They should value the customers who pay in full & not use deception to increase their bottom line. Again, I would like to pay the {$850.00} I actually owe for purchases & cancel my account. I do not need XXXX 's credit card. There are too many legitimate credit card options out there.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-12
Company: U.S. BANCORP
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2022, I tried to apply for a loan with XXXX and was denied due to a recent inquiry that was done on XX/XX/2022, by US BANCORP . Recently all my information was hacked.

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 2022-04-12
Company: Experian Information Solutions Inc.
State: NY
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:
Consumer Financial Protection Bureau To Whom It May Concern : I am writing to file a complaint against Experian. 

I recently disputed some inaccurate and damaging information on my credit report. First of which being XXXX  XXXX XXXX account number # XXXX I contacted the original creditor which told me I don't have a account with them. This Account doesn't report to any of the other bureaus Experian is solely report this inaccurate information. 
Only Experian is reporting it this way no other of the 3 major reporting bureaus. 
Experian is also reporting my two open XXXX XXXX XXXX  accounts, account numbers # XXXX & # XXXX as closed. These accounts are open and the creditor has sent proof of such to all 3 major reporting agencies only Experian are reporting the accounts as closed. 

Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with Experian. 

I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below. 
Thank you for your assistance. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX SS # 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 2023-05-05
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I checked my credit and there are multiple inquiries on there that I have no clue about I did not give consent to anyone or I did not authorize any of the inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Convergent Resources, Inc.
State: NJ
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:
I've reached out to Convergent to ask them to do a complete investigation of a credit report item relating to XXXX. They responded saying that they've done a complete search and that it's accurate. I am not saying it's not accurate, but I'm not sure, and I'm asking if someone else with a professional eye could look and see if it is accurate.

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 2022-04-12
Company: TRUIST FINANCIAL CORPORATION
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
In 2019 I Co-signed on an auto loan for a vehicle with an ex boyfriend and assisted him with a {$2500.00} down payment. He has missed payments over the past several months and this has significantly dropped my credit score. I attempted to reach out to him via email to request that he refinance and take me off the loan. He has not responded. I also had a mediator reach out to him with no response. The terms with which we ended the relationship were dangerous and I am a single parent so I do not feel safe confronting him in person. He was removed from our home on a XXXX XXXX XXXX by law enforcement for XXXX XXXX XXXX XXXX. At the time I did not think to take the car even though my name is on it. I have contacted a lawyer about this issue and she recommended reaching out to the lender to assist with this because there is not much that can be done legally. I have attempted to call Truist Bank multiple times to request to speak with someone and I have not gotten a 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 2022-11-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX reported incorrect information of a XXXX XXXX  past due payment that was incorrect. There was payments made and was current. As well as the XXXX XXXX XXXX that is in effect until XX/XX/XXXX of this XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect information on my credit report and its been well over 30 days.

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 2020-03-27
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 am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXXwhich both areattached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX Last reported XX/XX/XXXX {$4300.00} Open balance XXXX XXXX XXXX Opened XX/XX/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 2023-03-05
Company: Blitt and Gaines, P.C.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was sued by blitt and Gaines for an old discover card bill. Due to me not knowing my rights I didnt properly handle things which led to a judgement and subsequent garnishment. The garnishment completed over {$9000.00} and now they have sent correspondence threatening to garnish AGAIN for the same debt. This notification does not even tell me how much they are trying to take. They are going to court to obtain garnishment on a debt that has already been paid!! This is so unfair I called them and the representative had a very nasty attitude and would not explain to me why they are seeking additional money. The case number on both garnishments is the exact same!! They never provided validation of this debt. They are violating 15 USC 1681 as they never provided proper documentation to validate their right to collect in the first place. Im trying to buy a house and a judgement on my name does not look good. Im distraught, I dont know what to do please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: JPMORGAN CHASE & CO.
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I opened a Chase XXXX card with an annual fee of {$140.00} that lists 4 upgraded boardings as a benefit. I called Chase and asked how I use this benefit BEFORE I used it. I was told to just put the upgraded boarding on the card and it would be refunded the next month. I purchased my XXXX tickets for {$1200.00} and added early bird check in on XX/XX/2022. I was billed {$50.00} extra for the early bird check in. The next month the charge had not been removed. I called Chase and the first customer service person did not understand why it was not being removed so she transferred me to a supervisor. The supervisor read for a long time and then said there was some distinction between early bird check in and upgraded boarding. He said that I do have the benefit of upgraded boarding but not early bird check in, but even he didn't know the difference until he read in his manual. If I had a cheaper credit card with a lower annual fee, then I would have early bird check in. He agreed that the terms were confusing but said he had no power to reverse the charge or apply the upgraded boarding credits to the early bird check in. He said he would send the request to a person that could refund the {$50.00}. About 10 days later, on XX/XX/2022, I got a letter in the mail saying Chase was doing nothing. I tried to call Chase two more times on XX/XX/2022, was put on hold for over an hour, and ultimately disconnected. The terms for the benefits on this card are confusing. No employee at Chase even understands the difference in the two programs yet they continue to push these cards and take advantage of consumers. They force the customer to pay for the benefit, promise a refund, and then say, no, that wasn't the right program, even though their terms cause the confusion and their own employees don't understand the program or benefits. It is a complete bate and switch.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-06
Company: Experian Information Solutions 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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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 XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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