BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-13
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Dates : XXXX XXXX XXXX of 2019, XXXX $ each month. And my Mortgage company denied me the right to file for a modification to my account. At the time I was laid off and waiting for my unemployment to be heard by a referee officer. Because my employer was trying to denied me of my rights as a XXXX XXXX. The process took over 3 months. My mortgage was facing forcloser.So I reached out to my lender who is Wells Fargo and they investigated my claim and returned with the decision to denied me a modification. Wells Fargo is not in the business of helping their customers try to keep their homes. They rather you short sale or lose out completely.

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 2021-01-06
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
My name is XXXX XXXX, I desperately need to file a complaint against CFPB, and SYNCHRONY BANK, I had a amaz9n store card through them XX/XX/XXXX I paid them off through XXXX  XXXX  XXXX, XXXX SENT A EMAIL ABOUT 3-4 YEARS AGO STATING IT WAS PAID OFF, I WOULD LIKE TO GO TO COURT ON THIS MATTER, OR HAVE SOMEONE CONTACT ME ASAP, ON MY CREDIT REPORT THEY PUT AS BAD DEBT, PROFIT AND LOSS WRITE- OFF, THEY CAME BACK EVERY YEAR AFTER THAT, ON MY CREDIT REPORT HARRASSING ME, CALLING ME, THREATENING ME, I WANT TO GO TO COURT OR SETTLE IT OUT OF COURT, THEY ARE A DISGRACE TO MY CREDIT REPORT, AND CAUSING DAMAGE, AFTER CLOSING IT FOR THE 5 TIME, OPENED IT UP AGAIN ON MY CREDIT REPORT XXXX, XXXX, XXXX, I WANT TO FILE A CLAIM AND MONEY FROM THEM FOR HARRASSING AND TRYING TO KEEP MAKING ME PAY FOR SOMETHING I ALREADY PAID OFF YOU CAN REACH THIS EMAIL OR CALL XXXX Sent from 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 2022-07-08
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: Information belongs to someone else

Complaint:
I XXXX XXXX, have accounts that are reporting wrong and incorrect information. I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account from XXXX  XXXX with the ACCOUNT # XXXX are reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment XXXX XXXX XXXX XXXX AND TransUnion ARE BREAKING THE LAW. Pursuant to subsection ( A ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I, XXXX XXXX, did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( s ) be removed from the following account ( s ) immediately. XXXX XXXX ACCOUNT # XXXX Please do not respond with identification verification, this is indeed XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09
Company: LEXISNEXIS
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Dear Federal Trade Commission Agency, I am writing to file a complaint regarding an inaccurate bankruptcy that is appearing on my credit report. The bankruptcy was recorded on XXXX and states it was dismissed. 

I have already taken the following actions to address this issue : I contacted the following credit bureaus : XXXX, XXXX, XXXX, LexisNexis and XXXX to dispute the bankruptcy and provided supporting documentation to prove that I did not file for bankruptcy. However, despite my efforts, the bankruptcy remains on my credit report. 

I believe that this inaccurate information on my credit report is negatively affecting my credit score and financial well-being. Therefore, I kindly request that you investigate this matter and take appropriate action to have the inaccurate bankruptcy removed from my credit report as soon as possible. 

Thank you for your attention to this matter, and I look forward to hearing back from you soon. 

Sincerely, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
The Bank I am filling a chargeback 's complaint against is Capital One. Capital One refuses to issue a Chargeback after the Merchant XXXX XXXX XXXX XXXX ( XXXX  ) did not provide a {$20000.00} timeshare exchange service as mentioned in our contract with them. 

The Transaction I am requesting a chargeback from Capital One Bank is under the name XXXX XXXX XXXX made by XXXX XXXX XXXX XXXX ( XXXX ) in XXXX XXXX for an amount of {$2900.00}. 

My family went on Vacation to XXXX XXXX, XXXX XXXX on XX/XX/2019 at XXXX XXXX XXXX XXXX ( XXXX ), part of XXXX XXXX. We were offered an exchange between our XXXX XXXX timeshare Ownership and XXXX XXXX timeshare membership. Our XXXX timeshare worth about {$20000.00}. We paid {$20000.00} for an XXXX XXXX timeshare and the contract stipulated XXXX will buy back our XXXX contract. that had a balance of about {$20000.00} After a month and half of an unexplained wait, XXXX did not honor the exchange service. They brought as pretext after the long wait that our ownership is not a deed. They explain that we can keep both their timeshare and our XXXX Timeshare, and they will keep the {$20000.00}. We replied that the contract is void ab initio, since there were never a deed, but an ownership certificate, then we have to receive our money back since we have not received the exchange service as clearly written in the contract. They have not answered. 

We file a timely {$17000.00} chargeback with XXXX XXXX XXXX and {$2900.00} with Capital One on or around XX/XX/2019. 

XXXX XXXX XXXX issue the {$17000.00} Chargeback, but not Capital One ultimately. Capital One first issue a Chargeback, but the merchant came back and mislead the Bank in saying fraudulently the {$2900.00} was for Hotel Services that we received, like restaurant and rooms. Capital One return the {$2900.00} back to XXXX. We later explained several times to Capital One that the {$2900.00} were not for Hotel services, but are part of a {$20000.00} timeshare exchange services that did not take place. 

The Bank insinuated that we were lying and a manager told us that it is common that customers like us receive services from a Hotel and want a chargeback, what is commonly called friendly fraud. Capital One told us they escalate the issue, made us wait, and later falsely said they can not help because we did not provide all documents on time. We did provide all documents on time by both fax and certified mails, and we have proof. 

Capital One does not want to assume his mistake by prejudging us and returning the {$2900.00} to the merchant. 

We are requesting a refund from Capital one of {$2900.00} with all interest fees that are being accumulated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: VYSTAR CREDIT UNION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I opened my VyStar checking and savings account on XX/XX/2023 on line. It was funded by ACH from an external account. Vystar is reporting to XXXX XXXX XXXX that the accounts were overdrawn on the dates below. The account was never overdrawn. I called VyStar 's customer service and they said it would be corrected but my recent report shows differently. 

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 2021-08-24
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

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 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-11
Company: CITIBANK, N.A.
State: NY
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:
As i reviewed my credit report i noticed that there was an account in debt and in collections already in which was not me so i want it be removed from mt credit file. This is the account name, number, date it opened and closed, and balances as it appears on my credit report : CITI Bank credit card- acct number : XXXX Opened on XX/XX/2014 closes XX/XX/2014 Credit limit is {$200.00} Amount past due {$220.00} and High balance is {$310.00}.

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 explanation
Consumer complaint received 2021-01-06
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I am writing concerning fraud protection provided by Chase. Earlier this year I purchased ( using my Chase credit card ) what I thought were name brand shoes from a well know brand. The site was clearly the same site I had viewed previously but showed a sale. With the rare sale I purchased the shoes. Over the next weeks when the shoes did not arrive I reached out to the retailer, but they did not have any record of my purchase. Instead it became clear through discussions with the manufacturer and email correspondence with the spoofed website provider that I had counterfeit product. I have confirmation that this is clearly fraud. Chase advertises fraud protection. Their investigation only confirms a payment was made through XXXX system. It was to a XXXX company that does construction. This was clearly a fraudulent transaction in which Chase refuses to honor their fraud protection. Their only excuse is that the payment was made to this other company. I have again and again pressed Chase to keep their word as well as the counterfeit retailer. Fraud protection is not fraud protection at Chase today. In my experience other card carrier has ever held back on fraud cover where there is true and clear fraud. I have also never put in a similar claim with Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 



TransUnion Addresses : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXX XXXX XXXX Inquiries : XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Collecons : XXXX  XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX XXXX XXXX & XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXX XXXX  Inquiries : XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX & XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX AD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX  XXXX : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX & XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I reviewed my credit report and it shows a inquiry with chase bank and I dont have or never applied for a chase card XX/XX/XXXX And I received a XXXX XXXX XXXX I never applied for on mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I submitted a complaint on XX/XX/XXXX. I received a call from XXXX XXXX, phone number XXXX extension XXXX. I called XXXX  back 5 times before receiving a return call. When XXXX  called me back on XX/XX/XXXX in the late evening, he was very vague and could not tell me what my complaint was. He stated he would research my " concerns '' and provide me a response within 30 days. I have been through this rodeo with BOA before and in an effort to not have my time wasted AGAIN, I asked XXXX  to tell me what he was researching. He started telling me how he interpreted my concerns which was 100 % incorrect. I advised him then, in an effort to not waste time I'd like for him to hear my concerns since he clearly was not interpreting them correctly. XXXX refused and kept insisting I would receive a letter in 30 days. A letter in 30 days of research on " concerns '' that aren't really my concerns? Help me understand that? I am requesting that this phone call with XXXX  be listened to by management and they will clearly hear the incompetence and how i wound up back here. I then asked XXXX to provide me ALL notes on my account from XX/XX/XXXX forward, I asked XXXX to tell me if this was proprietary information, because IF IT IS, I can obtain the proper authority for the notes to be provided to me. XXXX stated he does not know and would research. this response doesnt make sense if he is a regulatory officer he should KNOW this information. I do this for a living myself, i can tell you what is proprietary and what is not.

At this point I am concerned who XXXX  really is and if he is competent to address my concerns in its entirety. I asked XXXX  was he a middle man just acknowledging my complaint or was he the actual person conducting the research. XXXX  confirmed he would be conducting the research. At this point I simply asked for XXXX XXXX  managers name, he refused. I explained why I was asking for this information ( based in his incompetence to provide any sort of clear answer on anything I asked ), he again continued to refuse. I asked for a manager to call me, no call.

I am concerned that a lot of time will be wasted here with someone that is incompetent to understand or even READ my concern correctly and address them. I do not want to receive a letter in 30 days that has nothing to do with or address my actual concerns.

I hung up the phone with XXXX  and called into BOA customer service, I spoke with XXXX. XXXX could not verify 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 2023-06-30
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX ; ACC XXXX  XXXX Account Listed As : ( Orginal Creditor : ) ; ACC XXXX  XXXX XXXX  XXXX ; ACC XXXX  XXXX XXXX XXXX  ; ACC XXXX  XXXX, XXXX  XXXX XXXX ; ACC XXXX  XXXX XXXX XXXX XXXX ; ACC XXXX  XXXX XXXX/DOFED; ACC XXXX  XXXX XXXX/DOFED ; ACC XXXX  XXXX XXXX  ; ACC XXXX  XXXX, XXXX  XXXX XXXX  ; ACC XXXX  XXXX, XXXX  XXXX US DEPT ED ; ACC XXXX  XXXX XXXX  XXXX  XXXX ; ACC XXXX  XXXX U S  DEPT OF ED/XXXX  ; ACC XXXX  XXXX XXXX ; ACC XXXX  XXXX 15 U.S.C 1681 section 602 A. : States I have the right to privacy 15 U.S.C 1681 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I called equifax back in XX/XX/XXXX to ask them when will XXXX/XXXX come off my report and they said XX/XX/XXXX because XXXX updated the account i had with them on XX/XX/XXXX because i wanted it removed so that's what XXXX did to say we review your account and updated information because I was disputed it with XXXX. I said to Equifax that's incorrect that i was delinquent in XX/XX/XXXX and my account was closed in XX/XX/XXXX but i paid XXXX the rest of the balance in XX/XX/XXXX, so it should drop off my report inXX/XX/XXXX.  They said no because XXXX updated account and reported information to them and that i stopped paying and started again. Which is incorrect. Equifax said its 10 years then since from the last updated informatiion which was now XX/XX/XXXX. Also, Equifax is showing that I'm still paying the XXXX  account, which is incorrect i have NOT paid them since XX/XX/XXXX and my account was closed in XX/XX/XXXX. I'm not sure where the information is coming from. Equifax said it stays on till XX/XX/XXXX when i called them again in XX/XX/XXXXXX/XX/XXXX and also called XXXX to tell them what Equifax stated it would take 10 years and once again XXXX  updated again inXX/XX/XXXX when i complained to them and it changed again to nowXX/XX/XXXX that will be 16 years not 10 years. This is not fair. I wlll fax you some information to you and attach also.

Company response to consumer: Closed with explanation