BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-17
Company: JPMORGAN CHASE & CO.
State: CA
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:
This is the second time Chase ( Sapphire Preferred ) is refusing to look into a charge dispute. They claim they sent me a letter asking for more details but they never did. The person that is handling " my inquiry '' as they call it, is never available as I have called at least 5 times and gotten a voicemail. I called the general disputes line and talked to an extremely rude person that only asked if I entered the movie theatre. When I said yes, but the reserved seat I paid for was double booked and I didn't have a seat, she said there was nothing she could do to help. I asked to be escalated and someone pretending to be her manager said that since I technically was allowed into the movie theatre, there was nothing they could do despite the fact that there were no seats available. I offered to provide pictures of the trash in all of the available seats in the front that was provided to me as a " back-up '' option, but they refused. I was not able to watch the movie for which I paid a premier price.

I paid for premier reserved seating and did not get that from the merchant and explained all of the details over and over, but they kept saying that because I entered the theatre, that I received my services.

This is a pattern with Chase as the only other dispute I filed with them last year was not addressed whatsoever. 
The date of the service I paid for was XX/XX/2018 for {$44.00} for 2 premier movie seats. I finally made contact with a Chase call center ( not my dispute representative ) today, XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: EQUIFAX, INC.
State: MS
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:
XXXXXXXX XXXX  ( secured ) XXXX XXXX  ( credit card ) XXXX XXXX {$7900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$7800.00} XXXXall of the above has violated all or any of my rights..15. u.s.c. # 1681 section 602 A. STATES -a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
See the attached documents.

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 2021-03-14
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Sent a letter to XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX letting them know that XXXX XXXX is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. She suffers from a XXXX XXXX and XXXX with XXXX XXXX in the right hand. In 2020, Mrs. XXXX lost an XXXX XXXX XXXX XXXX XXXXl. XXXX XXXX is only receiving social security and she is unable to pay any debt. This letter was ignored and no one responded to her/our letter. I am XXXX XXXX, her niece and I assist her with any correspondence. I can be reached at XXXX. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
{$1000.00} was stolen from my account shortly after XXXX on Sunday XX/XX/XXXX. The thief created a XXXX account associated with my Fifth Third bank account in order to commit the theft. My phone was missing at the time of the transaction and I did not authorize the transaction. I discovered the transaction when I checked my email in the evening of XX/XX/XXXX. I filed a police report with the XXXX XXXX XXXX of the XXXX XXXX XXXX XXXX  certifying that I did not authorize this transaction, which I submitted to my bank ( Fifth Third Bank ) as part of the dispute process. Fifth Third has repeatedly denied my dispute attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
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 spoke to the credit bureau and was told that the items would be removed from my report and that I needed to send them my ID, Social, and police report. I provided the items to the credit bureau and they were not removed. I have sent in this to the credit bureau and loaded it here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Wells Fargo, my personal bank in XXXX, where I had opened an account in XXXX, NV as my home branch during the XXXX Mortgage downturn, deceptively opened a Business Checking account in my name, without my explicit permission, at a Northern California XXXX XXXX XXXX. 

I had been accepted into graduate studies at the time, and the student loan provider made a personal call to my private number to inquire about the location of my graduate program, in the XXXX California area. The account was opened at a branch less than XXXX miles away from the location of the new program. 

The following two months I never received the loan which was disbursed from the lender, according to the school. So while the tuition was covered for me that term the additional charges for the term were not, and I endured 10 weeks of homelessness while attending the program Fast forward 2 years to XX/XX/XXXX, and the same process detailed above repeated again, where funds from the lender were not received til after the term. The XXXX XXXX XXXX campus canceled my enrollment, until I eventually discovered a large chuck of funds in a secondary account under my name at Wells Fargo. At that point the remaining funds from that account were transferred to my private personal checking account, and I repeatedly incurred low balance charges ( again, without my knowledge, as I was unaware that to close the account an entire process and processing fee was required, not just a XXXX balance ) I lost up to XXXX in low balance charges over the course of the four years ( XXXX ) the account was open without my permission or knowledge. I also lost up to XXXX in timely loan disbursements that were sent back to the federal education lender, who believed to loans were going to the wrong account in XXXX, since it did not have any of the matching information of the personal checking account that was given the school 's financial billing office

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 2023-10-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Credit 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:
XX/XX/XXXX I received a scam phone call from Bank of America-at the time I felt it was them as I questioned them about my account and this person knew everything-they even had changed my password. They knew the purchases I had made. I confirmed my last few digits of my card which at that time I felt weird. I hung up and called Bank of America immediately. I told them this person seems to have everything-access to my account ( which at the time I had already gone in and changed my password twice ) I knew they had all my account information and I TOLD BOA that. The lady issued me a new card and canceled my old one. Hindsight I don't know why she didn't freeze my account. 
XX/XX/XXXX I saw a charge for a direct deposit or cash advance and I called. Again, I went through what happened and that I knew my account had been compromised. She assured me that she also saw the transaction and that it is being denied. I again told her I thought their accounts have been hacked as well because this person had EVERYTHING of mine and I did not give them access to my account. I did confirm my last 6 digits. 
Again, she assured me that they are on it and that my account is secure. 
I believe I called a couple times that day. XX/XX/XXXX, {$14000.00} deposit was accepted. Again, I called about this. They told me that I was scammed and this is my fault. They gave me a new login which should've been done 2 days earlier when I had first called. 
I was upfront and honest with Bank of America and I had called immediately before ANY transactions had been made. They FAILED to secure my account. They said I made the deposit because it came from a device I had-this is false. I told them this and they said that was the scam. Again. I get part of this is on me. However, I called before transactions were initiated and they didn't secure my account. Therefore I feel this is on them. 
I have appealed the ruling and am waiting for another ruling. I am dead set on not paying this because I warned them I had been hacked. They should have froze that account the minute I called. Why issue a new card if it's still linked to the one that was compromised? I have been with BOA for 21 years. I have NEVER made a cash advance or a deposit from the CC. NEVER. I told them that and they told me it is all denied.

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 2023-04-19
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a interest checking account ( ending in XXXX ) on XX/XX/XXXX, at the Citi Bank branch on the XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, NY XXXX ). At the time of the opening, I was assured to be eligible for a checking account opening promotion if I complete the required activities, which required me to deposit a certain amount of non-citi funds to the account, keep that balance for 90 days, then I will receive a bonus cash deposited into my account within 30 calendar days. Specifically, if I deposit XXXX dollars to this account and keep it there for 90 days, I will receive a XXXX dollar bonus, per promotion XXXX. On XX/XX/XXXX, I made a wire transfer totaling XXXX dollar non-citi funds to this account, and my minimum account balance for this account was above XXXX dollars until XX/XX/XXXX, which was already 123 calendar days. According to Citi 's promotion terms and conditions, I should have already received the promotion by that time. However, I never received the bonus. Also because that my total balance was below their minimum balance to avoid a account management fee that I was never aware of, I was charged a monthly service fee of XXXX dollars per month starting XX/XX/XXXX for XXXX months until I closed this checking account in XX/XX/XXXX. I contacted Citi bank 's customer service via chat in XXXX and XX/XX/XXXX, and they replied that the promotion bonus just takes time to reflect on the account. In XX/XX/XXXX, I still did not receive the bonus. At the end of XX/XX/XXXX, I visited a Citi bank branch in XXXX in person, and a banker filed a claim regrading this issue for me. I was guaranteed to hear back from them within 2 weeks. However, I did not hear a single thing from them until XX/XX/XXXX. In the month of XX/XX/XXXX, I contacted Citi bank 's customer service through phone multiple times to inquire about the status of my claim, and each time the customer service would make a false promise of saying that I will hear back within the next week, and in fact, I did not, until XX/XX/XXXX. Because I was being hit with the 25 monthly service fee and the fact that I could not trust Citi Bank 's promise anymore, I closed this checking account at the end of XX/XX/XXXX. Shortly after I closed this account, I received a letter from Citi 's customer service department delivering the result of my claim, in which they claimed that I was not eligible to receive the bonus from this promotion because my account was closed. This seemed intentional and manipulative because the bank made various false promise through out entire relationship.

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 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting 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 XXXXXXXX XXXX XXXX  Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( XXXX ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 
( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator. 

( XXXX XXXX XXXX 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 2023-07-03
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened account with the promotional giveaway of getting XXXX XXXX XXXX points once the requirements were mer. The disclosure states all points will be credited to XXXX XXXX account within 30 days of meeting all requirements of the promotion. I met all requirements over 40 days ago and have tried having bank fix the issue multiple times without success. Each time the agent says all requirements were met such as the direct deposit and debit card transaction requirements.

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 2022-10-26
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
I have been a Member of Wells Fargo Bank since 2004. Not until I went into the Bank to inquire about a possible Loan, I was given instructions how to check my XXXX Credit Reporting Credit Report and XXXX Score. When I checked the information regarding my Credit Report within my Wells Fargo Account, I noticed XXXX is reporting a different Credit Score that is actually on my XXXX Credit File. I have created a signed -in member Account with XXXX Credit Bureau to check what has been reported on my credit file and if there has been any changes with my. current Credit Score .I am very concern about the two ( 2 ) different Credit Score showing on my Member/sign-in XXXX Credit file and what's showing in my Credit Report and the XXXX Score on my Wells Fargo Account. There seems to be a vast different between the two.

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 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and 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 is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2022-10-26
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Last XX/XX/2022. Synchrony bank charged {$180.00} no reason. I called PayPal affiliated synchrony bank. I have never received a product. I found out PayPaXXXX agent told me not to pay anything because of scammer using my PayPal account somehow. Synchrony bank is stubbornly charged me more $ $ without receiving a product first. Thank you reading my concerned message. I am XXXX and legally 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 monetary relief
Consumer complaint received 2022-04-28
Company: Experian Information Solutions Inc.
State: NJ
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:
Hello, my name is XXXX XXXX XXXX and I am writing to delete the following 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 possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

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 2023-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 another attempt to inform the Credit Bureaus that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. My information has been exposed in the XXXX data breach. The following accounts, inquiries, inaccurate names and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. I have read that under the Fair Credit Reporting Act section 605b, the Credit Bureaus are required to remove any accounts and information that have resulted due to identity theft. Please take a look at the following items and have them deleted from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX XXXX XXXX  XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$2300.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 I previously sent a dispute and complaint regardning this matter and requested that the Credit bureaus remove these items but upon checking my updated Credit Report, the Credit Bureaus have continued reporting these items. If the Credit bureaus believe that the disputed items belong to me, I require the Credit reporting agencies to send me copies of proof of verification to support their claims, wihout these documents, immediate deletion of the disputed items will be greatly appreciated.

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