BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-05
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I need urgent help in this situation. As my Chase Bank account has been closed today XX/XX/2020, due to suspicious activities. I recently moved to XXXX to work in XXXX in XXXX from XXXX. During the 9 weeks it took to receive my benefits from the XXXX, I also applied for unemployment through XXXX XXXX, Since I worked in the city of XXXX at the XXXX XXXX for over a year. I did this thinking that I would not be eligible for XXXX benefits since I only recently moved to XXXX and worked in XXXX at the XXXX XXXX XXXX XXXX for 3 weeks. I ended up getting approved for XXXX   benefits as well and received funds from them. Since Ive never had to apply for these benefits and not knowing how the system works I thought I was getting XXXX from the XXXX and unemployed benefits from The XXXX ; Since I was approved for both. I didnt receive any documents, emails or phone calls stating otherwise. I have currently been in contact with Representative XXXX XXXX office in the state of XXXX about this issue. They stated that I was incorrectly approved for Benefits in the state of XXXX We have sent an email to correct the situation and return the funds I received which amounted to {$5800.00} back to the XXXX. I believe Chase bank suspected this was fraud and closed my accounts. Chase will not disclose any information with me at all. Ive also informed and been in contact with Assembly member XXXX XXXX office about the current situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: CITIBANK, N.A.
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an account with Citi that was funded by {$20000.00} from a XXXX XXXX  money market account that I own ( on XX/XX/XXXX and XX/XX/XXXX ), {$10000.00} from XXXX ( XX/XX/XXXX ), {$970.00} check from Citi Bank credit card rewards. I had also removed {$6200.00} from the account to have a final balance of {$25000.00}. 

Citi accused me of fraud over the {$10000.00} from XXXX and closed my account. After a prior CFPB complaint they allowed me to " prove '' I own the XXXX account. After I showed them a statement they provided a check of {$10000.00} to me, leaving {$14000.00} in the account. Citi considers the matter " closed '' and although they see a balance of {$14000.00} in my account ( interest was added I believe ) they do not think that it belongs to me. 

The funds they're holding from me were NEVER in dispute. They only cared about the {$10000.00}, and I proved I owned it. So now they are penalizing me by withholding the rest of what they owe me. This is ridiculous, they can see they money came from an account with my name on it. I want all of my money back and want to sever my relationship with this terrible company. 

Attached is a statement from XXXX XXXX showing that I own the account and sent in 2 transfers of {$10000.00} each to fund the Citi Savings 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 monetary relief
Consumer complaint received 2023-05-26
Company: EQUIFAX, INC.
State: AL
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXXXXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-19
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We currently have excessive fraud to include mortgage fraud. We are requesting all documentation pertaining to property located at XXXX XXXXXXXX XXXX XXXXXXXX Ga XXXXThis house was stolen and sold in XXXX, My spouse filed Bankruptcy and the home was abandoned by the Trustee. The home was not abandoned by us. There were utilities on and the yard was being maintained. In addition, to our updated contact numbers and address. We were not notified of any court dates. My spouses bankruptcy case is still open.We have no documents regarding this loan with WELLS FARGO FINANCIAL GEORGIA , INC, INC We did not take out additional loans on the home. The home was purchased in XXXX. It was sold by XXXX XXXX XXXX located in XXXX Ga. We will told the home was foreclosed on however, this was not the case .XXXX XXXX  XXXX US FED BRC XXXX XXXX OF GA XXXXWELLS FARGO FINANCIAL GEORGIA INC ACCT NUMBER XXXX XXXX XXXX FOR YEAR XXXX. 
PLEASE NOTE PROPERTY LOCATED AT XXXX XXXX XXXX XXXX, XXXX GA XXXX WAS ALSO STOLEN

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 2023-05-11
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have received multiple unknown phone calls from numbers throughout XX/XX/XXXX, all under the same name Credence. Despite blocking them, I googled their numbers and was made aware they are under Credence Resource Management and had many multiple negative reviews. Believing it was a scam I ignored this. Today however, I was made informed my credit score dropped slightly under the name CREDENCE RESOURCE MANAGE for what Im assuming is a {$150.00} XXXX XXXX XXXX bill collection. ( unknown to me as I left their services months ago ) opened XX/XX/2023. I am willing to negotiate and/or pay for delete but would like confirmation, first.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-06
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
A new XXXX XXXX XXXX we leased with Ally Bank on XX/XX/XXXX for 42 months with a mileage allowance of XXXX miles with excess miles to be charged at {$0.00} per mile. ( XXXX XXXX # is XXXX ). Additional damage protection was purchased which included protection for {$400.00} of excess mileage, i.e. 2,000 more miles bringing total maximum allowed miles to 37,043 before excess mileage would be charged. 
The leased vehicle suffered a total loss due to Hurricane Ian on XX/XX/XXXX. Actual mileage at time of loss was 31,500 as reported on " CCC One Market Valuation Report '' prepared for the insurance provider and Ally, who received considerably more than the lease buyout agreement and has claimed and kept {$3200.00} for " Excess Mileage Charge Owed '' and has only refunded to me a balance of {$92.00}. This would be equivalent to a claimed 16,157 miles over and above the basic 35,043 miles allowed, bringing the total mileage of the car to 51,200. They are denying any knowledge of the additional 2,000 mile protection, but that is moot as the vehicle was still 3,543 miles below the total lease allowance. 
Attached is the letter from Ally, the CCC One Valuation and a Mopar Extended Warranty purchased for the XXXX on XX/XX/XXXX which shows the mileage then as 30,001 - it would have been almost impossible to add over 21,000 miles in exactly 2 months.

Every attempt to get answers to the letter that Ally sent on XX/XX/XXXX claiming we owed {$3200.00} for excess mileage has resulted in misdirection and obfuscation. This is either a gross miscalculation bordering on negligence or a deliberate attempt at fraud.

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 2019-01-23
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: Account information incorrect

Complaint:
I have in my report late payment in XX/XX/XXXX and XX/XX/2016 late payment XXXX XXXX Account # XXXX.The information is incorrect.I was never late.

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 2023-08-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-16
Company: Merchants and Professional Bureau, Inc.
State: TX
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 medical information was sold to a creditor in accordance with The Fair credit reporting act XXXX XXXX XXXX has violated my rights 15 USC 1681 section 604a section 2 it is also States a consumer reporting agency can not furnish accounts without my written instructions 15 USC 1681 section 602a States I have the right to privacy XXXX XXXX also violated the HIPAA law

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Lost wallet in XXXX last month. I had my ID, Ssn, bank card, and other personal information in it. Ive been seeing weird activity on my account and my bank account was recently closed due to fraud??? I contacted my bank today and was told that my account was closed. I contacted XXXX last week to free my lines of credit.

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 2019-02-28
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX and XX/XX/XXXX, I sent Penfed Credit Union a letter regarding two unauthorized inquiries that they placed on my credit file AFTER is was closed. 

XX/XX/XXXX -- PENFED closed the account due to delinquencies XX/XX/XXXX, and XX/XX/XXXX PENFED inserted inquiries onto my credit file. 

On XX/XX/XXXX and XX/XX/XXXX I received a letter from Penfed stating that they had already investigated my dispute and that they were not going to delete the inquiries because they had permissible business reasons. 

PENFED DID NOT HAVE ANY PERMISSABLE PURPOSE. 

I would like to know why they didn't do an ACCOUNT REVIEW ( soft Pull ) and why they put 2 inquiries on my credit file after it was closed.

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 2023-07-19
Company: GFS II, LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
After XXXX XXXX XXXX ( dealership ) assigned interest in the retail installment contract I initially agreed to, Gateway Financial Solutions created a new contract without disclosing to me what it entailed, modified the numbers, and used this contract unlawfully to create an account in my name unbeknownst to me. I never understood the full entailment of this new contract and they took unreasonable advantage of my lack of understanding. They insisted and influenced me to execute a contract I had never agreed to. Not only just that, but they seized my property and sold it with all the belongings to me in it. They also have been unlawfully producing and transferring my personal information to credit reporting agencies without my consent on behalf of this account they fraudulently created. 

First I contacted the dealership, which conveniently ( sarcasm ) has gone out of business or have changed their contact information so much I could not find them. So I contacted Gateway to validate the information, where did they get this information ; they sent me payment history, my original credit application, and a retail installment contract that APPEARS to be the same contract assigned to them from the dealership. However when comparing the contract to MY original contract it is obvious that this contract that is on file with them has been fraudulently furnished. My signature is omitted in areas, the XXXX contract omitted, the itemization of the amount financed is totally different, what happened? I contact them over the phone, I sent them documents enclosed in this complaint and they didn't have much to tell me but I wanted them to block and remove this account from my credit report immediately ( this happened yesterday XX/XX/23 ). Gateway Financials ' agents ( specifically, XXXX XXXX told me that they didn't have a GAP contract submitted to them so I should go to the dealership for that ... well I contacted the XXXX people who have records of this still existing GAP contract for my vehicle because I paid for it and on it the assignee is indeed Gateway Financial. Weird. 

I come to the CFPB because this has caused so much damages to my credit worthiness, in fact, I JUST got denied for a simple XXXX XXXX credit card because of what they are fraudulently reporting against me on my credit report. This has happened more than once and I'm sure to several other people, I had to move to a new city, get a new job, and I still don't have a car! My auto payment was shot up and you'll see the deception in the documents because the cash price of this vehicle was XXXX dollars but on the contract it says over XXXX XXXX dollars, I was told this jump was because my credit but that's XXXX. Over XXXX XXXX dollars totally unaccounted for. This is totally unfair as a consumer and GOOD people get taken advantage of every day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: Resurgent Capital Services L.P.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Between in 2018 my identity was stolen through XXXX XXXX. There were multiple accounts in my name. Every time I would call to close the account due to fraudulent activity, the new account was compromised also. I would like LVNV FUNDING LLC to remove the amount of {$800.00} from my credit. in which they are claiming I opened on XXXX. And the amount of {$1400.00} from my credit, the date they are claiming I opened the account is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a certified letter on XX/XX/2019 to Enhanced Recovery Company ( ERC ) addressed to XXXX XXXX requesting validation ; The following items in my initial validation letter were as followed ; - Agreement with your client that grants you the authority to collect on this alleged debt. 
- Copy of the original contract/application that bears the original wet signature of the alleged debtor wherein he/she agreed to pay the creditor. 
- Date this alleged debt became payable. 
- Date of original charge off or delinquency. 
- Verification that this debt was assigned or sold to collectors ERC - Complete accounting of alleged debt. 

I then received a response to my validation letter on XX/XX/2019 from ERC, stating the following ; " Please find the enclosed documentation as it relates to the account '' only to find all they provided was partial bills from the original creditor. 

All of which was not enough to validate the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
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 received an invitation from my Fifth Third XXXX account offering a XXXX percent balance transfer for 18 months. I applied for the balance transfer online and at the end of the application received a message stating I would be informed if the balance transfer was approved. I did not receive any notice that my balance transfer had been approved but a month later I went online to download my mortgage loan statement and saw that I had an outstanding balance on my XXXX account with a past due amount and a {$29.00} late charge ( XXXX statement ). I immediately paid the amount due and called the 800 number on the statement. I explained that I had not received any notice that the balance transfer had gone through and the Bank reversed the late charge. A few days later I called the 800 number again because there was an incorrect charge for {$2.00} ( interest on current purchases ) on my account. The {$2.00} charge was removed. On the XXXX statement there was an incorrect charge of {$1.00} ( minimum charge ) on my account. I called again and the charge was removed. On the XXXX statement there was a charge for {$100.00} for interest. I called the XXXX number again and was told that my zero percent interest had been cancelled because I was late with the first payment. For four months, my XXXX statement showed that I had a zero percent balance transfer and then it disappeared. 
I contacted the branch XXXX ( XXXX ) at the Fifth Third Bank at XXXX XXXX XXXX XXXX, XXXX GA, explained what had happened and was told that she would open an investigation. When I didnt hear back from her, I went to the Fifth Third branch manager at the XXXX XXXX XXXX XXXX XXXX XXXX GA location but all she did was call the 800 number I had previously called and had me talk to a supervisor who told me again that the zero percent interest offer had been cancelled because I was late with the first payment. The supervisor also told me that Fifth Third did not send notices of any kind regarding statements or due/past due amounts. I later found out that XXXX did not open an investigation on my behalf and she refused to return any of my phone calls. I ended up paying {$240.00} and {$100.00} that I shouldnt have had to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
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 have tried to communicate with them to let know that these where not my accounts. But they have continued to disregard the information that I am give them.

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 2023-07-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WV
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My bank USAA put my account into Inactive Status, which then accrues no interest for 3 years, and did not notify me they were doing so. I routinely checked the account to make sure there was money there, and it was linked to my checking via overdraft protection, but nothing indicated it was actually " inactive ''. The account status was not indicated on their website when I checked the account, I received no email nor paper mail about it, nor any other communication about the change in status. I only found out when I tried to move money out of the account and had no way to access the account as it had been disconnected from all ability to move money in the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
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:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation