BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hello, I am writing to complain about the closure of my accounts with Chase Bank. I was first charged a {$34.00} overdraft fee repeatedly for the same unpaid charge. These duplicate fees were reversed on my request, which brought my account to a positive balance. In an effort to make every XXXX count, I had also deposited a check for {$13.00} on XX/XX/XXXX. This brought my account to a total of {$110.00} available. 

On XX/XX/XXXX, my debit charges began to fail. When I contacted Chase, I was told that the check I deposited had expired, and that once it was returned my account would be unlocked. I was advised this process would take 2-3 business days. Each time I called to follow up I was given different information as to why my account was locked and when I would have access to my balance. 

On XX/XX/XXXX, I was advised that the bank believes the check to be fraudulent and would not be reinstating my account unless I could provide information to verify the check. I publicly complained via XXXX and received a direct message from customer care advising that they filed a formal complaint on my behalf. 

When I called on XX/XX/XXXX ( in an attempt to provide a phone number to the legal firm handling the payment, though I still believe this burden should not have been mine ), I found that my account had been debited the total amount of my balance and closed. The total withdrawn from my account on XX/XX/21 was {$110.00}. 

I recognize that this is a relatively small amount of money, but due to my account being locked I was unable to refill needed prescriptions related to my XXXX, and I was unable to pay my phone and internet bill in order to keep working. I believe that locking my account with cause or reason is unethical, and potentially illegal behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I recieved an email on XX/XX/2021 from Wells Fargo Bank regarding suspected fraudulent activity on my account. There was a pending XXXX transaction of XXXX dollars to a XXXX  XXXX  in the XXXX. I immediately contacted Wells Fargo to confirm this was fraudulent. I requested that they stop the transaction as it was pending. I was told that the transaction can not be stopped, that after the transaction cleared i would need to file a claim. Wells Fargo is in control of the transaction and knowingly paid the fradulent transaction, which makes no sense at all. They are the bank and should be fully capable of preventing fraud., or at least should be. I began reviewing recent charges and realized that there were numerous XXXX charges all that i did not authorize and were made fradulently.On XXXX XXXX i noticed there was a pending charge of XXXX on my account which I did not authorize this time i did not take no for an answer, I called at least four times before somehow the transaction seemed to disappear as if it had never even happened. My claim of XXXX was covered under the Wells Fargo Zero Liability Protection as specified on their website.

" Wells Fargo Debit and Credit Cards come with Zero Liability protection1 at no extra cost. You wont be held responsible for unauthorized transactions, so long as you report them promptly ''.

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 2021-08-12
Company: EQUIFAX, 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:
Back on XX/XX/2021, I contacted Equifax & submitted legal documentation regarding the collection account they have listed on my consumer report for XXXX XXXX XXXX. I informed them & provided documents stating that this account needed to be removed as XXXX XXXX XXXX is committing several FCRA violations. Thus far, Equifax has refused to remove that account. At the same time that I contacted XXXX, I also contacted XXXX XXXX XXXX as well and provided the same documentation. It has now been past the 30 day period under FCRA guidelines. But additionally, I have now received a response from the XXXX XXXX XXXX via mail dated XX/XX/2021, that this account does not exist. Therefore Equifax immediately needs to delete / remove this fraudulent account from my consumer report within their database.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: GREAT LAKES
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have a student loan with Great Lakes. In requested a {$0.00} dollar payment plan in XXXX as I was unemployed and working with a XXXX ( XXXX XXXX ) and unable to make my {$650.00} dollar loan payment. I sent them a request and copy of my pay stubs from XXXX XXXX. The repayment plan was never initiated ( although XXXX did ). I then changed employers three months later to another XXXX ( XXXX ) and submitted another request for a {$0.00} based payment plan. Upon their Great Lakes request I sent them a copy of my pay stubs and that requested was still pending as of XX/XX/XXXX. Again I contacted them about my pending application and Great Lakes stated they needed a copy of my Income Tax Return for XXXX which was faxed to them on XX/XX/XXXX at XXXX from the XXXX Office # XXXX. As of today I am still waiting for the payment plan to be approved. Every time I log into my account with Great Lakes it gives the status that my application is being processed. They recently put my account in forbearance but I am being charged over a thousand dollars in interest that would not have occurred if I had gotten the payment plan ( which the DOE / XXXX ) stated would be {$0.00} a month based on my income for 1 year and no interest accrued. It seems to be that Great Lakes is pulling a XXXX XXXX to get additional money from me that I ca n't afford. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: Experian Information Solutions Inc.
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:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Original creditor : XXXX ) XXXX Balance : {$390.00} ; XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$490.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4300.00} ; XXXX XXXX XXXX  ( Original Creditor Name XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} ; XXXXXXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XX/XX/.

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 2017-03-27
Company: A & S Collection Associates, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The Owner of the company I work for was sold an advertising product from " The XXXX '' They made multiple unauthorized charges to his account under different names. He canceled payments to the unauthorized charges. They said they sent it to collections. We called the number on the XXXX web page and they said they were A & S collections. We told them the charges were fraudulent and they called us repeatedly over and over even after we told them it was harassment. they yelled at us to shut up. They told us they were going to take us to the supreme Court. We told them to go ahead and they continued to call us. The phone number from the A & S collections website takes you to XXXX students hotline. The web addresses are : XXXX and XXXX The phone number listed on Insulation network is XXXX The phone number of the individual that repeatedly called and harassed us is XXXX She said her name was XXXX The phone number listed on A & S collections page is XXXX which as I said is a phone XXXX. They also pretended to be a different company having to do with spray foam with a different number and it was the same person on the phone that number was XXXX and the website for that one is XXXX

Company response to consumer: Untimely response
Consumer complaint received 2023-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Every month capital One report to every credit report agency ( XXXX, XXXX and XXXX ) that payment is due, late or delinquent on payment. Company Reporting late payment on credit report are illegal : under 15 U.S. Code 1681a ( 2 ) Exclusion consumer report does not include ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report. Meaning everytime Capital One report a late payment on consumer report is a violation of {$1000.00} under 15 u.s.c section 1681n

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: CITIBANK, N.A.
State: IA
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: Card was charged for something you did not purchase with the card

Complaint:
Three fraudulent charges were added to our credit card statements starting on XXXX for a total of = {$610.00} and added interest of the disputed amount of {$18.00}. All attempts to resolve the issue have failed as of the XXXX statement.

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 2021-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
Credit report is showing 3 30 day late payments on my XXXX  credit card for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Tried to mail the creditor a letter to get it fixed in XX/XX/XXXX unfortunately lost their response letter but no change on my report. I have done multiple disputes with the creditors on their websites and even worked with a credit repair company. No changes on all responses. Stating disputes were verified. Payments were posted to that account those months. Account is on and was on autopay. I attached verified prove of dates and amounts of the payments on my 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 2022-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received an email stating that my debit card is no longer working and they sent me a new one then I called the company and customer service verbally told me the company no longer wants to affiliate with me I asked them the reasons why they said they couldn't tell me possibly something to do with fraud and I had to call this number I called a number and they said the same thing that customer service told me and that remaining funds that were in my account would be mailed out I've waited days I haven't received anything that has put me into a situation paying my bills and getting to work.

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 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2021-08-11
Company: Paypal Holdings, Inc
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have a PayPal account, and I recently received a limitation from PayPal, which I was able to resolve by providing all necessary information ( business information, my ID, and other information ). After the account was restored the next day, I received another limitation that did not make sense, so I contacted customer service, and I found out on the next day that the account was permanently closed. and i still have my fund in the account, they claimed that they will hold it for 180 days, and I am not happy with this decision since they did provide any reason for closing and holding my funds

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07
Company: ALLY FINANCIAL 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:
The following companies made inquiries into my consumer credit profile without my consent and without my authorization. I have disputed these fraudulent inquiries with the consumer credit reporting agencies, XXXX & XXXX but those agencies have not proven the validity of these inquires. I have also contacted the fraud departments of both agencies with XXXX progress made to remove these inquires. 


XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX, XXXX XXXX XXXX, XXXX & XXXX XXXX XX/XX/2021 ALLY FINANCIAL

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 2021-07-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
On XX/XX/2021 I opened a phone dispute with Capital One VISA in the amount of {$2600.00} for a ruby and diamond ring purchased from XXXX. 

On XX/XX/XXXX and XXXX, 2021 Capital One responded requesting additional information. Please see my responses below dated XX/XX/2021 and excerpt from my cover letter. I also uploaded supporting communication with the merchant and a letter from a reputable jeweler. 

- Merchant name : XXXX  - Transaction date : XX/XX/2021 - Disputed amount : {$2600.00} - Sales invoice : XXXX attached. 
- Information/evidence to support how merchandise received differs from what was received : See attached from XXXXX Jewelry. 
- Second opinion on company letterhead : See attached from XXXXX Jewelry. 
- How the problem needs to be corrected : The dispute can be corrected by the merchant taking the ring back and providing a full refund of {$2600.00}. I do not wish a store credit or to conduct business with this merchant again. The practice of bait and switch is illegal and fraudulent. Final sale should not protect the merchant from this practice. I expected to receive what was described and aired on their show. 
- Number of times merchant contacted : I reached out to the merchant twice via e-mail to document our communication and try to resolve the dispute. 
- Returned the installed parts : Not applicable. 
- Merchant refund voucher : Not applicable. 

On XX/XX/2021 Capital One requested the above information again. I am not sure it was ever reviewed when I uploaded back on XX/XX/2021. I called Capital One dispute department on XX/XX/2021 to confirm that the information and supporting documents needed uploading again. I spoke to a dispute manager who confirmed I needed to resubmit. 
The documents were reuploaded on XX/XX/2021. 

According to Capital One dispute, VISA is reiterating the merchants response/rebuttal that the item I purchased was " final sale. '' Although VISA requested a " second opinion '' from a jeweler stating how the item received was different from what was aired on TV. It now appears that VISA is not taking this information into consideration.

At this time, I am getting the runaround from Capital One and VISA. Capital One is sighting VISA is not cooperating and making this dispute difficult. Also, disputes have been filed with the FTC and BBB against the merchant, TVON, for fraud in the form of " bait and switch. '' I still have the unused ring with the tag. I seek Capital One and VISA 's review of all supporting documentation and not waste time. To resolve the issue, I request the merchant take back to the ring for a full refund of {$2600.00} back on my Capital One VISA card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-09
Company: Comerica
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XXXX XXXX I was missing {$200.00} and XXXX XXXX I was missing {$200.00} and XXXX XXXX I was missing {$200.00} and XXXX XXXX I was missing {$300.00}. I've tried to do a complaint to direct express they told me they have nothing to do with it that I have to get ahold of my paying agency witch is SSA. I called SSA they told me that once the funds are on the direct express card.SSA is not responsible that direct express is responsible for my funds being missing. Their both giving me the run a round blaming each other so here I am getting a hold of you guys CFPD. .PLEASE I NEED YOUR HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 attached two accounts that are currently reporting inaccurate information to all three of my credit bureaus, I have highlighted the inaccuracies. Per the FCRA anything reported in my name has to report 100 % accurate information. Please delete these two accounts from all three of my 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 2021-08-12
Company: EQUIFAX, INC.
State: PA
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:
To Whom It May Concern, My name is XXXX XXXX XXXX and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as these violations are not to be reported on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
there is a collection account found on my credit report and i have no idea about it and i wasnt given a chance to remedy the situation before hand. i have no idea of this account and i did contacted the credit bureaus and was told the account was verified but i was not given any method of verification even though i requested it on numerous occasion this is damaging my character. i want to find out more info so if it belongs i can remedy the situation. but as it stands my reputation is being damage. thank you.

Company response to consumer: Closed with explanation