BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-24
Company: CITIBANK, N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
i had some checks that were mailed to pay bills, stolen from a mailbox, washed, and then cashed fraudulently by the thieves. This happened in XX/XX/2022 over a year ago, and i reported the issue soon thereafter. The checks were written on two different banks- my personal account and on my business account. My personal bank cleared up that check ( for {$8000.00} ) last XXXX, 2022 and i was reimbursed for the total amount. 
the other check ( {$3000.00} ) is still outstanding. My business bank evidently is not able to get any response from the bank that mistakenly cashed that check. I believe that bank is responsible for the fraud and their error, and that they should reimburse me.

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 2023-04-04
Company: SANTANDER HOLDINGS USA, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
XXXX falsely reported XXXX late payments on my account. 

Santander lost my original contract I never signed a contract with XXXX XXXX tried to get me to pay for my car note twice in one month which is ( {$1200.00} ) and is holding it over me I paid what I agreed which is one payment a month with Santander which is ( {$630.00} ) a month which Ive done and are currently doing But they are making the other payment that was not in the contract, affect my credit and the loan amount with late fees over {$200.00} when originally my late fee is {$50.00} but since XXXX took my contract without my consent they made it {$200.00} It is unfair and unjust since Ive never been late on an auto payment until this situation Ive reached out multiple times and never hear back from there office unless its to pressure me into paying the a extra additional unjust fee

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
XXXX PayPal lied to you and said they fixed this problem. The problem was not fixed, at all. 

I want to send money from PayPal, not from a linked account or card. Paypal will not let me do that even though it told you that this problem had been fixed. 

You said you would email me PayPal 's response bt you have not done that yet. Please do so. The agent I spoke with this morning read me the last part of their response and they said they fixes the problem. They did NOT fix the problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14
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:
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 : XXXX XXXX Account numberXXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: JPMORGAN CHASE & CO.
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have a Chase Freedom credit card that was originally opened in 1995. It is the primary credit card that I use and I make payments in full each month. On Wednesday, XX/XX/XXXX, I logged into my account and discovered it had been closed. I immediately called customer service and was told they didn't have any information and to email the company via the web portal. I did that and was told they couldn't provide any information, and to call the number on the back of my card ( the number I originally called ). I called Chase yet again this morning and was simply told, " this is not a decision the company takes lightly '' and that there was no one I could talk to who could remedy the situation. 

I am stunned, perplexed, and extremely frustrated that they would close an account in good standing without notification or rationale as to why. This is my oldest credit card and closure is going to dramatically impact my credit score, which is currently near perfect at XXXX. This is certainly a mistake on the company 's part and I would like the opportunity to plead my case and have the card reinstated. 

Thank you for your help with this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
my Personal information is inaccurate my address is XXXX XXXX XXXX. The 3 credit Bureaus are reporting different. 

XXXX XXXX . Incorrect information on my credit report. Transunion is reporting Date opened XXXX, XXXX is reporting date opened XXXX. I've called numerous of times bad customer services. 

XXXX XXXX. Incorrect information on my credit report. Transunion is reporting Date opened XXXX, XXXX  and XXXX reporting date opened is XXXX. Also The High credit is inaccurate. Transunion reporting is {$78.00} XXXX  reporting {$0.00} XXXX  reporting {$77.00} Original Creditor is Violating FDCPA Section 807 misleading false reporting. 
I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me I feel like I'm being taken advantage of being ignored of my dispute.

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 2023-10-11
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
JP Morgan Chase Customer Service XXXX XXXX XXXX XXXX, DE XXXX. 
Dear Sir or Madam : I am writing to dispute a late payment attributed to my account ( XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX replacement ). I am a victim of identity theft, and I did not have control of this account on multiple occasions since XXXX of XXXX. My JP Morgan Chase accounts, personal e-mail addresses and personal devices were compromised during this period. Changes were made to this account including payment information that I did not authorize. 

I am requesting that the late payment be removed from my account and that I receive accurate statements going forward. 

Enclosed are copies of the Identity Theft Affidavit, credit monitoring fraud alerts and a subset of police reports supporting my position. Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs. 

Please investigate this matter and correct this error as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been requesting for mortgage assistance thru SPS for the last few years each time just gets denied for various reasons that dont make any sense. 

On XX/XX/2020 the lender denied me and on the denial letter it states my income was not considered as part of my evaluation review, they also mentioned that my payment could not be reduced enough to modify. In the review it does not appear my income was used to determine if I'm eligible for help, in your review under the Net Present Value it states my payment was to increase by {$30.00}, but as my income shows on my financial report I clearly have {$240.00} left over each month which I have not problem making this payment. 
SPS offered me a repayment plan for 12 months doubling my mortgage payment and leaving me with only {$400.00} for my monthly expenses including food, car expenses and utilities. I believe when SPS offered me this it was done intentional for me to fail. I made as many payments as I could until I could not afford it. Now each time I apply they deny me and are not allowing any home retention options. I offered them a contribution of {$10000.00} and asked them to place the remainder amount owed to the end of the loan and simply to allow me to continue to make payments but they even deny that. I feel SPS is more interested in the foreclosure of my home rather than helping me out. I would like CFPB to investigate SPS for any illegal activities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I ordered a check online in the very early morning on XX/XX/2021. When I ordered, I saw it said the order would be shipped 1-2 business days, and the estimated arrival date was XX/XX/2021. I need that check this or next week, but XX/XX/2021 still seems to work for me. However, when I check the order status today, which is already the end of the fourth business day, and I found out it still not shipped but the estimated arrival date changed to XX/XX/2021. This is too late for me. I decided to go to the financial center to get a cashier 's check instead. Therefore, I ask the online live chat customer service to help me cancel my check order. But I waited few hours and did not get any email or text notification about the order canceling. I called the regular customer service number to ask them to check if my order is canceled or not. But, no one can answer this question. They transformed the call for me, and they asked me to call XXXX and XXXX. But the transformed call did not work, it just ended the phone directly. I called XXXX, it asked me if I want to reorder a check. When I said no, it directly ended the phone. When I said yes, it said I had an existing order and can not let me go ahead. Similar things happened with the XXXX. No matter what, I just do not have a way to check if my order is canceled successfully or not. What if I do not receive my check and I think it canceled successfully but in fact, someone else gets my checks and I do not know anything about it? It really makes me frustrated. I would like to ask them to cancel the order for me if the last canceling did not successful, but still, no one can help. Each customer service just told me to call the XXXX and XXXX later. I really dont know what should I do. By the way, their customer service number is really a waste of time. I called them two days with more than 40 calls. Most time I just heard the music and waited for the available specialist. Each time I need more than 30 min to get in touch with a specialist and he/she in the end did not help anything. Could I just submit my request and let them figure it out for me when they have the time instead of waiting for the available specialist for more than 30 min?

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 2021-12-14
Company: CHARLES SCHWAB CORPORATION, THE
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I attempted to withdraw {$300.00} from an ATM in the XXXX XXXX in XXXX XXXX XXXX NV. I was given an error, so I tried again, and got another error. The money was not dispensed. I moved to a different ATM a few feet away and was able to successfully withdraw {$300.00}. I received a text from Schwab asking to authorize the transaction, which I did, assuming it was the second ATM that did dispense the funds, but now I'm not sure which I was authorizing, however I only received money from one ATM. I was not alone, other people can attest to the fact that no money came out of the first ATM. I reported it to Schwab, who provided me a provisional credit and investigated, but found that the ATM log says it dispensed the money. I requested they investigate further and they said they may have run the logs for the wrong ATM so they'd run it again, but they still found that the ATM says it dispensed the funds and withdrew the provisional credit. However, I know for a fact this never happened and I will not be charged {$300.00} for funds I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Bank of America, XXXX XXXX, and XXXX XXXX XXXX. The Account Opened is Bank of America Account Number : XXXX Date Opened : XX/XX/2014 Balance : {$800.00}. The Account Opened is XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/2014 Balance : {$0.00}. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2014 Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

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 2021-02-18
Company: ACCESS GROUP INC.
State: MI
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I was paying on Access Group loans when with XXXX XXXX. Paid them for years. When came time to renew the lady XXXX would not return my calls. After that it passed to another company and I set up payments and they never took them. Then it ended up with XXXX XXXX XXXX XXXX XXXX. They called my mother and not me so I sent them a letter to provide proof of them acquiring the debt after it being bounced around. They never provided that written verification of debt and its been months, well past the time allowed once written verification of debt received. I believe the person was XXXX XXXX. I also was being contacted during the student loan payment freeze time when federal loan payments were frozen by debt collectors and I was informed that all payments have been frozen during the pandemic for federal loans. So now I guess XXXX XXXX XXXX XXXX Access grp has it. I never was contacted by phone or received any notification by them of who they are and how they acquired the debt but the company they acquired it from failed to verify the debt during the allowed time and also I was being asked to now pay during a time when federal loan payments are on hold. I also never have been contacted or served in any way. Had I not received two letters from lawyers trying to represent me today, I would have never looked my own name up in the XXXX district court database and found that a XXXX lawsuit was filed. So I am grateful to those lawyers for their letters in the mail. I had never even heard of or been contacted by XXXX and still have not received anything. The only reason I know anything is because of the lawyers who must have been looking in the system for new suits filed. The company prior to XXXX should have the written letter asking for verification of debt. I have been a victim of identity theft which is on file in XXXX. My mother was even contacted about a fake debt a debt collector bought unknowingly. It was for a cell phone she didnt have and the real company didnt have any record of any accounts in her name. Considering all the scammers out there, I cant just take the word of someone saying they are who they say they are. Last time I checked, I thought a company had to at least contact you before they could sue you. I also was not aware that when you asked a company for written verification of the debt and how they acquired it, that they could not respond and then sell it to someone else who would fail to contact the person and then sue them without due process and while federal loans are supposed to be on hold. All of my department of education loans are on hold and I didnt have to do anything. I want this removed in the court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: Experian Information Solutions Inc.
State: IN
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 have been contacting and sending documentation to the XXXX credit bureaus for over a year now about my credit report and how things are not correct on all XXXX bureaus. They keep giving me the runaround and not fixing the problem which they are supposed to do by law. I am in distress and I am suffering physically because my life is getting worse. I need you to step in and enforce the law. Help me please!!!

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 2021-04-13
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I was sent a summons to appear at which on XX/XX/2021 I was in court via zoom. The company was able to receive a court date quicker than most evictions as if the judge was in collusion with the company. The company is attempting to collect/ sue me in the name of Wells Fargo and they do not represent XXXX XXXX I have contacted wells fargos legal department and they advised me that this company has no affiliation with 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 explanation
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the following accounts listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 
XXXX XXXX XXXX XXXX XXXX RI XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$26000.00}, XXXX XXXX XXXX Balance : {$4500.00}, XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$1500.00}

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 non-monetary relief
Consumer complaint received 2021-02-18
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: Investigation took more than 30 days

Complaint:
I disputed multiple accounts with XXXX, XXXX  and Equifax for over 6 months. During this time items reporting from the agencies are still inaccurate and Ive asked numerous of times for the items to be removed by dispute letters and still no action. Im writing asking for help to get these agencies to remove the incorrect info that has been sold to other agencies, incorrect data, incorrect personal, total amounts due, closed accounts to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I disputed multiple accounts with TransUnion, XXXX and XXXX  for over 6 months. During this time items reporting from the agencies are still inaccurate and Ive asked numerous of times for the items to be removed by dispute letters and still no action. Im writing asking for help to get these agencies to remove the incorrect info that has been sold to other agencies, incorrect data, incorrect personal, total amounts due, closed accounts to be removed from my credit report.

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