BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-03
Company: Chime Financial Inc
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Opened a account with Chime Online Bank on XX/XX/XXXX and on the same day i linked my XXXX XXXXXXXX XXXX XXXX to my Chime account. So i did a money transfer of {$3.00} from XXXXXXXX XXXX to Chime. I was going to use Chime as my saving account. 
On XX/XX/XXXX i got an email from Chime saying my account has been closed, with no reason, from that moment i lost my login on the app and couldn't anymore access my account. At this point i was a little bit relaxed because i though my money would return to my XXXXXXXX XXXX account since i don't have Chime account anymore. But i was wrong, my money ended up at Chime. 
On XX/XX/XXXX i call the support to try to figure out my access to the app, no success. The person on the phone don't help me a bit, she told me everything would be done by email. 
After a few hours on XX/XX/XXXX i received a email from XXXX  asking me a lot of photos of documentation. 
Here 's what they asked me : A new government-issued photo ID, such as a drivers license or state ID card ( front and back ). 
Secondary ID ( Social Security card or passport ). 
A new selfie of you holding an ID document and a piece of paper with your name and today 's date written on it. 
Written explanation : Tell us the origin of the deposit ( s ) to verify that youre the intended recipient.

Documentation to support your written explanation such as : Receipts, invoices, pay stubs, work orders, bank statements, receipts for cashed checks, etc. 
I sent them everything, we change more than 40 email. 
They have some kind of automatic email that was keeping ask me some documents that i already sent and every email comes with different person name, like there's not only one person was taking care about my case but they were randomly We kept on email deal until XX/XX/XXXX that's the last email they send me They don't tell anything, they just disappear I don't know what to do now, they have my {$3.00} and all my documents information Please help me solve this out. Im desperate!!! 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Experian Information Solutions 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 have never done business with XXXX Bank and there is an account from XXXX Bank on my credit reports in collections.

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 2023-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX I ordered a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I ordered one thing and received something totally different, have the pictures to prove it I submitted my claim with Bank of America with who I currently bank with, immediately after submitting my claim I received an email for documents to be sent I sent them and have not heard nothing since then, Ive reached out numerous of times and i get the same thing they are still processing it, at first I was told it takes 30-45 days for the claim to be resolved then I was told it was 45-90 days cant be both, its been 46 days, just keep getting the runaround from them and Im tired of it.. they are holding my {$200.00} XXXX,, I just want my money back.. shouldnt take this long to resolve it when they have the proof of what I ordered and what I actually received.. tired of fighting with them, they do not communicate with me at all I get no updates whatsoever.. i need help getting this resolved!! I dont have the money to hire a Attorney otherwise I would and then it cost them more.. shouldnt have to wait this long.. its a joke on how long they take to resolve a claim

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 2019-06-29
Company: MRS BPO, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX along with my wife XXXX XXXX are in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, we are requesting very low settlements in the 20 % range of where our debts were at the last payment. Accordingly, we believe that we only have one chance at this, and if we do not start receiving settlement offers soon, we will retain the bankruptcy attorney we recently consulted. Therefore, we request letters of settlement, and we request the cease and desist from all calls to our home, cell and/or work. We desire to resolve these matters in written form only. 

Thank you for your consideration in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately

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 2023-01-21
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Recently, I made a deposit for trading cryptocurrency, which went sideways. I actually made money from the trade, but now Im trying to get my money back. When I told Wells Fargo, that I believed I had been scammmed, because my money will not be returned to me, they said they could not help me. I believe that it is their job to help me recover fraudulent charges. If a customer has been scammed out of money, and the money has come from that bank the I bank with than it is their job to help me recover the funds. Please help me! Right now, I can not buy groceries or diapers and that is very upsetting!

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 2023-05-18
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: IL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I am being evicted from my property my late mother inherited a quitclaim deed before she passed in XXXX. I filed an notice of appeal XXXX XXXX and received an appellate number. I also filed in federal court. I filed adversary proceeding with to quiet title. The debt is time barged and its passed its statue of limitations. It is not under my name and did it sign anything with the creditors. Only under my late mother estate. Which it should of went to probate?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: BARCLAYS BANK DELAWARE
State: CA
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:
I sent a letter via US mail on or about XX/XX/2023 to the following mailing address : Card Services XXXX XXXX XXXX XXXX, DE XXXX This was a request to open a dispute for a transaction with XXXX XXXX XXXX on XX/XX/2023 in the amount of {$250.00} XXXX submitted this dispute within 30 days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well. UPDATE : ATTACHED IS THE USPS TRACKING INFORMATION SHOWING DELIVERY OF THIS LETTER

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 2023-09-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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:
On XX/XX/2023 I filed my FTC report because of hard inquiries I in no shape or form authorized. I have settled the matter with XXXX XXXX XXXX but Equifax has been stalling on me for now over 45+ days. It started with my first dispute on XX/XX/2023 and was met with a Equifax response on XX/XX/2023 saying that the inquires were factual but they did not investigate at all and I found this out after calling their customer support that same day and they told me they couldn't process my dispute because of my " License & Social Security card '' weren't verifiable. I resubmitted a new dispute ( XX/XX/2023 ) with better quality pictures of my License & Social but this time the dispute came back verified before I talked to anyone on the phone at Equifax. I was also told by them that uploading directly to their website was better & I tried that and was met with the same demise. I am now submitting my THIRD dispute to them and also submitting this complaint alongside it. Thank you for your time

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Ever since I opened an account with Wells Fargo I have had several claims of fraudulent on my debit card and reimbursed the transactions. Just recently several fees were affected to my debit card. And everytime Wells Fargo admits to false added fees to the debit card and immediately credit my card back this is several fees that have already been made and Charged.

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 2023-10-06
Company: Experian Information Solutions Inc.
State: LA
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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 did not authorize for capital one to pull my information and report inaccurate activity to my credit report. Please remove this inaccurate information because it is a violation of my rights and was not authorized!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: Carvana Group, LLC
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Purchased a car from Carvana on XX/XX/22 sell price $ XXXX tax $ XXXX $ XXXX payment {$2900.00} ( {$65000.00} amount financed ). I listed a handful of issues with car immediately and was told that they would fix it as it was under warranty. The biggest issue was the radio, to date my radio is not working properly ( popping and volume is very low ). 

I had a change in my personal life and looked to trade my car back to Carvana ( XX/XX/22 ) to purchase another vehicle from them, it was then that I learned that I was VERY upside down, I had {$24000.00} in negative equity in 4 months ' time. I took possession of my car on XX/XX/22 ). I did not trade in a vehicle, just simply bought a car. I now am stuck in a car that I really need to trade out of. My car payment is high and really need a lower car payment. I reviewed predatory auto loans and per definition, predatory lending is " any lending practice that imposes unfair and abusive loan terms on borrowers, including high-interest rates, high fees, and terms that strip the borrower of equity ''. " Predatory lenders often use deception to get borrowers to take out loans they can't afford ''. This is what happened to me, my interest rate was very high and when I asked about the interest rate, I was told that I could make 2 payments and refinance. In XXXX I asked about refinancing after I learned that I could not trade due to all the negative equity that was placed on my car, I was told " Oh we don't do that anymore ''. So, I am absolutely in XXXX  with this car. I really need help! No one should have {$24000.00} in negative equity in 4-5 months. I am being forced to keep a car that I can not afford. I do not have $ XXXX to give to a dealership to get out of this car. I have attempted to resolve this issue and Carvana has not assisted. I really need an intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: DISCOVER BANK
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:
I purchased a power cord for {$31.00} from XXXX XXXX XXXX XXXX using my Discover Checking ATM Card, and was sent someone else 's partial order. I called XXXX to rectify the problem as was told that they would overnight me a cable and issue a call tag for the wrong items I received. I did not receive the cable I originally paid for, and followed up with a call. I was told they could not help me further. I tried to contact corporate by received not correspondence back. 

I then proceeded to start a chargeback claim with Discover Bank on the basis of fraud. I was told twice by them that they could not help me because Regulation E did not protect me if the merchant sent me the wrong item. 

Discover is allowing this fraudulent charge and not protecting me as a consumer and customer. I have banked with them for over 2 years and have been an outstanding customer. I would like to proceed with a complaint against Discover Bank for this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: Mr. Cooper Group Inc.
State: WA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I am trying to refinance my home, MR. Cooper holds a Lien on my home for a 2nd mortgage. Problem is I have never heard of them. I have never made a payment to them. And when you call customer service they have no record of my husband XXXX XXXX or me XXXX XXXX, Nothing under our social numbers, nothing under our property address .This has been going on for over 30 days and they just keep telling me they are researching it.

I have requested proof multiple times. I have asked for the NOTE lots of times and I have received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I would like my Personal information Updated to only one of each. Names and address i do not go by or does not live at. I sent in a letter but i don't see any change

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
On XX/XX/XXXX I had a check made out to the GA Revenue for a last payment for local state taxes. There was enough money in my account to make this payment and according to Bank of America 's check payments, it should have been paid as there was {$20.00} left in that account and I was expecting a deposit in one of my accounts for over {$6000.00} which I received the next day and I would transfer more money into that personal account.

There was a bank of america payment to a credit card I was paying additional funds on and nothing was due which was posted or listed after the check was presented. They chose to pay this payment ( their credit card ) over my check sent for taxes!. With this credit card I have {$14000.00} of credit line and {$2500.00} remaining and this was not due it was an additional {$100.00} payment.

Bank of America returned the State tax check and paid themselves ( which posted after ) I am sending a screenshot and want a letter to send to the State of Ga so I don't get fees there.

I send another payment to them and letter with screenshot to a manager at the State of Ga Dept of Revenue. The balance at that time was paid off.

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 2023-06-20
Company: ALLY FINANCIAL INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
To Whom It May Concern, Ally Mortgage has repeatedly made errors and failed to correct said errors associated with mortgage account ending in XXXX. Please see attached timeline to this complaint, as well as corresponding Ally Payment History and proof of erroneous credit reporting. To summarize the issue, my husband and I 's mortgage account was transferred to Ally from XXXX XXXX XXXX in XXXX of 2022. We made repeated calls to Ally regarding payment and set up of our account. However, due to lack of account set up, no payments were made in XX/XX/2022 to this account. 

Despite these issues created by Ally, we set up our account through our own diligence and repeated contacts, so we could pay XXXX, XXXX, and XXXX payments. We were then notified that we still had an outstanding XXXX payment. My husband made arrangements and agreements via a phone call with Ally in XX/XX/2022 to pay an additional amount each month for the course of 5 months to catch up the mortgage. Ally agreed in return to not report the XXXX payment. 

Despite this, Ally reported the late payment, but even incorrectly reported the late payment. Specifically, per our credit report, Ally stated the missed payment was for XX/XX/2022. ( See attached Credit Report ). This was done in error as the mortgage payments clearly show that a larger payment of {$5800.00} was made that month. ( See Ally XXXX XXXX attached hereto ). The only assumption I can make is that Ally CHOSE to first not honor their agreement from XX/XX/2022 and second reported a XX/XX/2022 rather than a XX/XX/2022 " late '' payment due to RESPA guidelines. Since the XX/XX/2022 payment would have been within the 60 day window disallowing mortgage companies to report that to the credit bureau, they chose to report the INCORRECT date. 

My husband and I have now made repeated attempts to have Ally correct this via the dispute and appeals internal process, so this can 30 day late payment can be removed from our credit report. Ally continues to deny this request despite their own errors and evidence of the same. 

Thank you for your time and assistance with this matter.

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 2023-02-01
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was perpetually charged for ATM fees, overdraft charges and other misc charges keeping my account in the negative until I ended up loosing my house

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