BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-11
Company: JPMORGAN CHASE & CO.
State: CA
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/2019 at XXXX PDT, I went to the Chase Bank on XXXX XXXX XXXX , in XXXX , CA to withdraw cash from my checking account in which I had a balance of {$4000.00}.

When I arrived, there was only one ( 1 ) clerk, and at least 6 ATM machines inside of the branch. The clerk was busy waiting on another customer, so I decided to use the ATM machine inside of the branch at terminal XXXX which printed on the receipt. 

I input my debit card into the ATM machine and indicated that I wanted to withdraw {$2000.00} in a series of {$100.00} bills. 

The ATM machine informed me on the screen that it was getting ready to dispense my cash, proceeded to make several noises and sounds as if it was dispensing my cash, but the cash never came out of the machine. ( I was shocked and baffled ). 

The ATM machine, then printed out a receipt telling me that there was an error with the machine and that the transaction " could not '' not be completed to contact customer service. 

I approached the clerk, told her what had just happened. She proceeded to ask me for my debit card. 

I told her that I wanted to withdraw {$2000.00} from my checking account and she then informs me that there was not enough money in my account, and printed a receipt that showed that I only had {$1600.00} in my account. ( Again, I was shocked and baffled, because she was disregarding what I had just explained to her ). 

The clerk then told me that the {$2000.00} from the ATM had been deducted from my account balance of which I had already informed her of that. 

She then told me that I would have to wait until another clerk in private offices would be able to assist me and that there were three ( 3 ) customers ahead of me, and that their system was down.

I waited at least 40 minutes and while waiting called Chase Bank customer service to file a claim and then left the bank. 

Several days afterward and to no avail Chase informed me that they would take 10 days to investigate my claim and that my account could not be credited a temporary credit until after 10 days. 

The following week, l received a temporary credit of {$2000.00} back to my account only for it to be reversed a few days later because Chase told me that they had investigated and found no fault with their ATM machine. 

That's a XXXX XXXX XXXXXXXX! They have robbed me and longtime customer.

In addition, I had a balance of {$570.00} in my account in which Chase " did not '' let me withdraw and placed a hold on my account which has now made my account " negative '' in the amount of {$1400.00}. 

Lastly, Chase closed out my checking account, and voided my debit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-23
Company: EQUIFAX, INC.
State: CA
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:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14
Company: PENTAGON FEDERAL CREDIT UNION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Im a XXXX XXXX XXXX cardholder on vacation in XXXX ( XXXX ) where my card has been declined at every single merchant ; using any type of card-present transaction ( Chip, Tap-and-go, Apple Pay ) for my account XXXX. 

This new XXXX credit account was established by me recently with the purpose of achieving my {$3000.00} minimum spend requirement during my month long holiday to XXXX, XXXX and XXXX. As of this writing on XX/XX/2023 XXXX has made it impossible for me to use this card overseas. 

I have contacted XXXX and spoken to more than XXXX different individuals there since XX/XX/2023 about my challenges while abroad in international calls at my own cost. This is no exaggeration ( check your records ) ; XXXX has XXXX XXXX notes ; and those calls are recorded. The purpose of this complaint is to reach a higher-level department outside of those previously involved to finally resolve this issue = allow me to use my credit card overseas ( physical, card present and apple pay kind of transactions )! 

XXXX has made me contact multiple departments over the course of this ordeal. Namely : XXXX Member Services ( aka PenFed themselves ; CC issuer ) Cardmember Security ( apparently a VISA or external vendor party to PenFed ) On XXXX, XX/XX/XXXX- I spoke to XXXX XXXX from XXXX XXXX XXXX who wasnt really helpful. She was escalated directly from a supervisor of XXXX XXXX named XXXX. He informed XXXX that all of my fraud risk profile had been adjusted and accounted for my travel notice ; and further confirmed that all my transactions patterns match the XXXX of a regular traveler. In other words ; the merchants I have been declined at like XXXX do not deserve to be flagged as declined.

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 2021-03-17
Company: EQUIFAX, INC.
State: PA
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 very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX CA XXXX ; XXXX XXXXXXXX Balance : {$11000.00} ; XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-08-01
Company: Westlake Services, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/2019, the XXXX XXXX dealership ( XXXX XXXX XXXX XXXX, XXXX TX XXXX ) conducted contract fraud. The dealer made deceptive orders to sign a fraudulent installment loan contract. 15 U.S. Code 1692J prohibits deceptive forms. A car was purchased on credit, where CASH was utilized on my behalf for a downpayment. According to 15 U.S. Code 1662 dealerships are not suppose to ask for a down payment and installments. 15 U.S Code 1602G states we are the creditors. UCC 1 - 308 : All Rights Reserved. 15 U.S Code 1635 - Right of rescission as to certain transactions was not disclosed properly and faithfully. 
FINANCE CHARGE= SUM OF ALL CHARGES Finance Company involved : WESTLAKE FINANCIAL SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-22
Company: LEXISNEXIS
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
on XXXX XXXX, 2022, I consumer XXXX XXXX contacted LEXIS NEXIS to request a copy of my consumer report. LEXIS NEXIS requested that I provided them with a copy of my drivers license to identify me, which I did. LEXIS NEXIS sent me a letter stating they are unable to identify me, although I submitted proof of my identity. I have requested my report on numerous occasions and LEXIS NEXIS is failing to provide me with my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: Conduent Incorporated
State: OK
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I wrote previously about this issue ( last night ). The company XXXX ( Conduent ) is very, very difficult to deal with, there is NO way to send email to try to get help for any problem you are having. It says " Contact US '' but the page is blank and there are no links in order to contact them. It is very obvious the company wants you to spend 50 cents numerous times in order to contact them to TRY to straighten out any problem you may be having. AGAIN. there is no email link, the telephone service does not give an option to speak to a representative to help you. when you finally do get a representative, they tell you thay can't help you with the problem for one reason or another. This is Government Benefits. Do I need to contact the Government?? This is absolutely ridiculous that this company is holding people hostage to their mean and hateful practices and waaaaaaaaay overcharging them without being able to get any assistance ... ... .SOMETHING HAS GOT TO BE DONE ABOUT THIS SITUATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. The following creditor inquiries will need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Eastern Account Systems of Connecticut, Inc.
State: CA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I REACHED OUT EVERY XXXX  DAYS TO THE FOLLOWING DEBT COLLECTOR FOR THEIR SUPPORTING DOCUMENTS TO PROVE THIS INDEED WAS A DEBT THAT BELONGED TO ME. NO COOPERATION. 
EASTERN ACCOUNT SYSTEM XXXX XXXX XXXX XXXX XXXX, CT XXXX ( XXXX ) XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: CONTRACT CALLERS INC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a collection account with CCI from a utility company from a house I rented I found out about this when I checked my credit report in XX/XX/2019. I never received a dunning letter from them and when I seen it on my reports I contacted them about it. I called them 4 or 5 times and everytime I told them the only way it would benefit me to pay it is if they removed it from my reports that i had moved to a another state and would never have any service with that company again. The last time I called they told me they would remove it from my reports and it's been over 6 months and it's still on them. I called back about a month ago and was told they don't remove things from reports. So I was lied to and It is an unfair collection practice for a debt collector to make false representations. FDCPA 807. This is the only bad thing I have on my reports and I didn't even know I owed the company anything I filed a forwarding address with the post office and I never received anything saying I owed this or I would have paid it. And CCI had my address also and never sent me anything before putting it on my reports.

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 2023-10-29
Company: DISCOVER BANK
State: VI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
While I deeply appreciate the services and credit extended to me by financial institutions, I find myself perplexed at the inability to secure credit limit increases on my accounts. Notably, all of my accounts are in good standing, with a consistent history of on-time payments. Additionally, I have recently experienced a significant increase in my monthly income, which bolsters my financial stability and capability to manage credit responsibly. Given these positive factors, I am keen to understand the criteria or concerns preventing the approval of credit increases. I believe that a reconsideration based on my improved financial position and impeccable credit management would be both fair and beneficial for both parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.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 2023-04-03
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
In XXXX of XXXX  we purchased a home with an FHA loan and a few years later we tried to modify the loan due to job loss and unable to pay. within a few years after that we tried to remodify due to car accident and was not able to due to company not being helpful with options. then when it came to a foreclosure we were able to sell our house out right but at the time of getting closing numbers and pay out numbers the company did not give us the right numbers and gave us different numbers the few times our lawyers asked for them therefore we had to come to the table with extra money. 
years later trying to get that record of late payments off of our credit the company would not remove 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 2021-03-17
Company: Benefit Mortgage
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
In XX/XX/2019 my XXXX year old mother was contacted by Benefit Mortgage in XXXX XXXX, CA about the benefits of a reverse mortgage. The broker visited her on many occasions, eventually presenting her with a 200 page " loan package. '' She was confused and because my father was no longer alive and I am living in DC, she did not have anyone advocating on her behalf. She signed the loan documents under the duress of the broker, a complaint she later voiced to me. In doing some digging on my own, I discovered that any citizen who applies for a reverse mortgage must complete a counseling session to educate the individual about what they are entering into. Once completed they receive a certificate signed by the counselor and then by the client. When I finally received a copy of the counseling certificate from Benefit Mortgage ( attached ) I noticed that there was only the counselor 's signature and no signature from my mother. This backs up her claim that she never received the counseling. The name of the broker is XXXX XXXX and his manager is XXXX XXXX, both of Benefit Mortgage in XXXX XXXX, CA.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: CITIBANK, N.A.
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:
I purchased an airplane ticket from XXXX XXXX for {$250.00} on XX/XX/XXXX with my citi costco  anywhere card. This flight qualifies for the Trip cancellation benefit from the citi costco  anywhere card. 

The citi costco anywhere card removed Trip Cancellation benefits on XX/XX/XXXX for purchases on that date or the future. 

When I learned of XXXX XXXX going out of business I called XXXX XXXX at XXXX on XX/XX/XXXX and XX/XX/XXXX and it didn't connect. I called at a different time and left a message but I never received a call back. 

Since XXXX XXXX was going out of business and I wasn't going to be able to travel with them I disputed the charge with citi bank on the phone on XX/XX/XXXX for Goods / services never received. I provided all the necessary details. 

Citi provided a conditional refund. 

Unknown to me, citi said they sent me message on their website on XX/XX/XXXX saying they needed more info. I didnt respond to this because I didnt know they sent a message on their website. 

On XX/XX/XXXX citi sent a letter saying they closed the dispute in XXXX XXXX favor even thou they were going out of business. They took back the conditional refund. 

Citi bank never called or sent me a piece of certified mail asking for more information about a company that was going out of business. On XX/XX/XXXX I logged and saw the notices from the XX/XX/XXXX and XX/XX/XXXX. I chat with an agent and they said to email citi at billingdisputes@citi.com. I sent them an email stating I never received their website notice. On XX/XX/XXXX I called since I hadnt heard an answer, XXXX on the phone said she has never heard of XXXX XXXX and couldnt help since it was past the time alotted. 

I had to purchase a new ticket ( {$560.00} from XXXX on XX/XX/XXXX ) for more money than I originally purchased from XXXX XXXX to repair my travel plans. 

Since I did not receive their travel services due to them no longer operating, I expect the cost of the new flight to be covered {$560.00} per the trip cancellation benefit that was valid on XX/XX/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