BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-05
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
https : //www.bankofthewest.com/XXXX XXXX Bank of the west is running a promotion ( seen in the link below ). 

I tried to apply online but the website sent me an email saying my identity could not be verified, so I called a branch nearby ( XXXX XXXX XXXX XXXX, XXXX, CA XXXX ) and made an appointment stating that I would like to come in for an account with the promotion. 

I arrived at the branch at XXXX on XXXX. Sat down with a relationship banker named XXXX XXXX XXXX. She was very slow in processing my request, and she kept saying that she had to apply a promo code although on the website the promo code is automatically applied. Then she proceeded to take down the application ID that I was given in an email and wrote down my social security number on a post-it ( which she never shredded at the end ). She kept telling me that she could not locate my application, despite the email telling me that I should be able to pick up on my application in branch. 

I explained to her that I didn't want to make another trip, but she kept going back and forth pretending to talk to the people behind the desk. And when it was time for the branch to close, she told me that she " got the confirmation that she can not open an account ''. and that I would need to go to another branch. 

I just asked her to open an account, and regarding the promo code, I read to her " promo is automatically applied '' verbatim ( as is written on the promotion page linked above ). She still refused. There are clearly a few things wrong with what happened : 1. The banker 's unprofessional behavior - jotting down social security number on a post-it and never shredding it. 
2. Not being ready for the task even though a customer had called the day before explaining the situation and made an appointment. 
3. The branch not honoring what is publicly advertised online. 

I am very frustrated and disappointed with the way I was treated as a customer. 

I have a recording of the phone conversation when I called in to make an appointment as well ( my phone records every phone call ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Addresses. : XX/XX/XXXX XXXX sent a letter generating a notice for a change of address. 
1. The physical address change is XX/XX/XXXX. If it takes XXXX 1 year to register service it be reported as a data breach to its notice or service of it informing consumer of a data breach XX/XX/XXXX, XXXX refer to down load. 

Addresses. ; Registered with a XXXX, XXXX, Transunion ; please, provide me with, credit file listed addresses that generates your data entry a prompt, after inputting consumers identity or file no, if any to indicate the identity has been confirmed you will get a file no. : Means ' : I, am only one person and therefore, should only have { 1 } credit file number. : Addresses. 
The credit reporting agencies are inappropriate to publish it has a right that consumer holds, or retains the capacity to hold the index of addresses reported by XXXX as current. Prior addresses can not be current and a indicator identity 's the address to the consumer by indicating date, year and month from to a detailed date. : A indicator looks like this. 
address from XXXX through XXXX etc

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 2022-11-21
Company: Experian Information Solutions Inc.
State: LA
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:
XX/XX/2022 XXXX removed an account named XXXX XXXX which was reported as a charge off on my credit. Ive spent a months trying to get the account removed bc it is not my account. Ive submitted paperwork to all 3 credit bureaus ( XXXX, Experian, and XXXX ). Even thought, XXXX did a thorough investigation and finally removed the unknown account XXXX, and Experian are failing to comply. Ive been submitting documentation to my claim and still nothing. This entire situation has cost my credit score to be in a position were Im not able to obtain a vehicle and able not have reliable transportation to work for my family. Ive become emotionally distressed, which is causing me to be depressed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01
Company: CITIBANK, N.A.
State: IL
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:
My account was closed without notice and when I called into the customer service department I was advised the explanation would be sent via mail in 7-10 days. I am due a rewards balance of {$170.00} and was told I would not receive this because my account is 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 2023-08-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Dear Sir/Madam, I am reaching out to seek assistance regarding a matter of check fraud that we have experienced, in which JP Morgan Chase & Co. has not provided resolution to our satisfaction. 

Details of the incident are as follows : Check Number : XXXX Check Amount : {$5900.00} Payee : XXXX XXXX The check, as mentioned above, was discovered to be forged. Upon realizing the fraud, we promptly approached JP Morgan Chase & Co., our banking institution, with all the necessary documentation and evidence. To our dismay, JP Morgan Chase & Co. has declined to reimburse the aforementioned amount, leaving us at a financial loss due to the fraudulent activity. 

We have always relied on our bank to safeguard our assets and to act promptly in our best interest, especially in circumstances involving fraud. The current lack of action on their part is not only disheartening but also questions the trust we've placed in their institution. 

We kindly request the Consumer Financial Protection Bureau 's intervention in this matter. It is our sincere hope that with your assistance, this issue will be resolved justly and promptly. 

Please find attached the copy of the forged check to aid in your investigation. We are ready to provide any further information or clarification should it be required. 
We appreciate your attention to this matter and thank you for your dedication to ensuring consumers ' rights are upheld in the financial sector. 
Warm regards, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Telephone Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX has removed two my education loans that was paid off and closed well over 19 years then later placed them back onto my credit report with different account numbers. This is an ongoing situation with XXXX, the first is an education loan from XXXX XXXX XXXX, account number ending in XXXX, amount {$4000.00} is closed and 19 years old, the second account is XXXX XXXX XXXX XXXXAccount Number CLOSEDAccount Status Last Payment Amount 0Late Payments XXXX XXXXAge of Account Amount {$4000.00} They have failed to remove from my XXXX 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
Consumer complaint received 2023-08-23
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
The company is Hunnigton National Bank, the date was XX/XX/XXXX When they left a message on my phone and I contacted them, barely wanted to give me information hand said the date was XX/XX/XXXX, I have no idea about this account but they saying it was closing because of a negative balance or something. I have no idea They called my mother too, which is something they cant legally do

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: AMERICAN EXPRESS COMPANY
State: AZ
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 received a welcome letter from AMERICAN EXPRESS and had never requested a credit card. I called them and they sent a letter to my attention, acknowledging this. As I have credit monitoring, I then noticed another inquiry for XXXX which again was a fraudulent inquiry. Both inquiries took place on XX/XX/23. I received a letter from both credit card companies since then, locked down my credit, however the two inquiries are still on my six months later.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23
Company: HUNTINGTON NATIONAL BANK, THE
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: Account information incorrect

Complaint:
Huntington Bank is staying I took out a loan, and I have not, nor do I have an account with them. I am a beneficiary on my husband account, not a signer on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
In XXXX of XXXX we moved out of our apartment. Our leasing office sent us a bill showing we owed money and would not be receiving a refund on our move-in deposit due to damaged carpet that was brand new when we moved in XXXX of XXXX. I asked the leasing office to please provide proof that the carpet was brand new as it did not appear brand new when we moved in and the carpet damage shown was not created by us. ( In an area that had never had spills/cleanings/etc. ) The leasing office sent us an invoice from the flooring company dated XXXX - 2 years before we moved in. I said we will not be paying for the damages until you provide proof that there were no tenants before us during those 2 years as the damage was not done by us. They failed to provide proof - and did not contact us further. They ended up sending our bill to collections where we received multiple calls a week regarding this. I know I can dispute so I filed a dispute with the collector and said we will not be paying until proof is given to us like we asked for. On XX/XX/XXXX The collections agency sent us our final account statement with the apartments and our lease agreement. I responded that this is not what I requested. They didnt reply for 2 weeks even though I have emailed them 2 times for an update on XX/XX/XXXX and on XX/XX/XXXX. They called XX/XX/XXXX and the lady was extremely rude and would not let me speak- said they wouldnt be providing proof and I needed to pay. I informed I know my rights regarding collection disputes and the proof needs to be provided- she cut me off saying they know the laws. I informed I work for a bank and know the laws as well. She cut me off and said it doesnt matter where I work I need to pay what I owe. I told her I would be following up with the CFPB and disconnected. They call me and my husband multiple times a week while we are working despite even though Ive tried communicating over email and they dont reply over email.

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 2020-12-05
Company: Experian Information Solutions Inc.
State: NV
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: Was not notified of investigation status or results

Complaint:
I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( Experian, XXXX  and XXXX  XXXX on XX/XX/2020 and a second request was sent via certified mail on XX/XX/2020. 
In my letter sent and received by Experian, XXXX  and XXXX  I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been almost 6 months from my first written request and over 3 months since my second written request and I still have not received any responses.

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 2023-08-02
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
i look at my credit report and say that it had reported my payments as late, i never opened the 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 explanation
Consumer complaint received 2018-09-02
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My initial loan with Navient which at the time was Sallie Mae began XX/XX/XXXX. The loan was for {$6300.00}. I did not begin the process of payment until XX/XX/XXXX. My payment was {$64.00} per month. Now as of XX/XX/XXXX my payoff is {$8200.00}. My payment is {$110.00} per month. My interest now stands at 11.625 %. In XX/XX/XXXX my payment was {$110.00} and continues to increase every 3 to 4 months. There were some deferments but I have made on time payments every month since XX/XX/XXXX. I spoke to a Navient person directly and she told me that approximately {$33.00} per month is coming off my balance and the rest is going for interest. I reviewed my records and the tax form that Navient provided on interest paid for XX/XX/XXXX is {$1300.00}. My payment records show that I only paid Navient {$1300.00} for the year of XX/XX/XXXX. I also tried to remove a cosigner from the loan. It states on their website that you have to make 12 on time payments to allow a cosigner to be removed. I was told that I was very delinquent on my account and could not remove the cosigner but my cosigner was never contacted about my delinquency. As I stated earlier I have not missed a payment since XX/XX/XXXX. I am now XXXX and no longer able to work and this loan places a financial strain on my family. What makes the situation worse is that none of my payments are bringing down the balance of the loan. In fact the balance is almost {$2000.00} more than when I began repayment. Thank you in advance for any assistance you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Chase authorized a {$2300.00} payment that was a fraud payment and refused to refund the payment. They claim to have fraud protection yet in spite of them telling me my account was hacked and charged they withdrew the money from my account and refused to credit the amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-21
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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : ( item/accounts/information ) XXXX XXXX XXXXXXXX Balance : {$27000.00} XXXX : XXXX XXXX XXXX Balance : {$27000.00} XXXX : XXXX XXXX XXXX Balance : {$28000.00}

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 2017-11-04
Company: EQUIFAX, 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:
THE PROBLEM IM HAVING WITH THIS CREDIT CARD COMPANIES, IS XXXX I NEVER HAVE ANY CREDIT OR LOAN WITH BANK POPULAR, AND THEY KEEP REPORTING ON XXXX XXXX AND OTHER BUREAUS THAT IM LATE. 

XXXX NEVER LATE ON XXXX CREDIT CARD AND WHEN I CALLED THEM THEY SAID THE SYSTEM AUTOMATIC REPORTED THAT IM LATE. 

XXXX XXXX XXXX NEVER LATE ON THIS CREDIT CARD AND THEY KEEP REPORTING THAT IM LATE EVEN AFTER I DISPUTED KEEP APPEARING ON MY CREDIT THAT IM LATE. 

XXXX NEVER LATE ON THIS, I DO N'T WHY THEY DO N'T REPORT AS A POSITIVE I PAID ON TIME EVERY MONTH AND ITS IS BEEN SINCE XXXX FIGHTING AND THEY DO N'T FIX IT. 

XXXX ON ALLY BANK I WAS ONLY XXXX TIME LATE, AND THEY REPORT THAT I WAS LATE 5 TIMES, AND I'BE CALLING THEM BUT THEY DO N'T DO ANYTHING ... ... I THINK THIS IS NOT RIGHT .... 

HOW CAN I FIX THIS PROBLEM ... ... .. 

6-ANOTHER IN COLLECTION, I NEVER OWN ANY MONEY TO THIS COMPANY CREDIT COLLECTION COMPANY, AND THEY ARE REPORTING THAT I OWN MONEY, I DO N'T KNOW WHO THEY ARE ... .. PLEASE HELP BECAUSE THIS THINGS ARE KILLING ME ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Ive been trying too access my money since it was deposited into my account from the irs from a tax return I did through XXXX XXXX the bank then asked for all the documents an details after they said they verified the deposit I still provided all the proper documentation. Ive been calling and calling they will not let me know when I can access my money or do anything but deposit in the account its going on 3 months. My deposit was made XXXX too me on XXXX 2023. Its no reason my money should be held this long specially if its my money.

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 2023-08-23
Company: ProCollect, Inc.
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Notified by debt collection agency PROCOLLECT regarding an effort to collect on a utility account with XXXX XXXXXXXX The account was fraudulently opened using my credit information and is the fifth originated with a Texas utility in the past year. I've contacted XXXX I've never lived in Texas nor contracted with a Texas utility services provider. I have answered to the requests by XXXX to provide proof of identity as well as attempted police report filing. My requests of ProCollect have gone unanswered despite MULTIPLE, proven receipt attempts and I have been treated VERY POORLY by their representatives during follow-up conversations. The latest conversation ( XX/XX/23 ) regarding the police report filed : NM  wont fully process because incident occurred in TX and TX wont accept because I dont live in TX XXXX Attempted to explain this to ProCollect but it was unaccepted, and I was treated EXTREMELY rudely. ProCollects efforts I now consider inappropriate, unprofessional, and abusive as compared to another collection agency I worked with to resolve the previous fraudulent accounts. I have also contacted respective credit bureaus to revise and freeze my reporting and am currently in contact with XXXX XXXX to assist in resolving. XXXX has since resolved this issue. This appears to be the result of the XXXX data breach.

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