BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
In the beginning of XX/XX/2023 I called the bank to submit a fraud claim. The claim was not filed when I called the first time, but actually filed a couple weeks later when I called again about a month or so later I finally got my temporary credit and then I got something in the mail, saying my claim was approved. Then I received something in the mail, saying they denied my claim that was already closed and they were going to take that credit away again. When I didnt have enough funds in my bank account, I called and the lady promised me it would not happen and they would not take the money out and then the next week they did so my bank account was - {$200.00}. I called Bank of America again and they told me that I had to file a police report to show that I actually got my identity stolen and the fraud was real. They would not refund me my money so I put my own money in to make my account go back to XXXX dollars then they told me they dont know when they would be able to approve my claim and give me my money back about a couple weeks later they finally did give me the original XXXX that they took out but they still have not given me the XXXX that I had to put back into the bank to get my bank account back to XXXX from 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 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 have one legit account with XXXX XXXX Credit card company. 
There is a second one that is not mine. 
I have notified TransUnion twice and disputed. 

They reply its mine and it is not.,

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 2023-11-03
Company: EQUIFAX, INC.
State: GA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-29
Company: Shellpoint Partners, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Goldman Sachs is the owner of my mortgage and XXXX XXXX XXXX is the servicer. My mortgage has been transferred 4 or more times over the course of 15 years and recently twice in one year. There is a lot of confusion in the validity of my promissory note. I have reviewed my original Mortgage documents including the original promissory note and modification agreement back in XXXX and XXXX. I recently received requested documents from XXXX and documents after a CFPB complaint and after careful review, I noticed that my original promissory note and permanent loan modification documents are not the same. Appears there documents have been altered or tampered with question the validity of my promissory note and modification agreement in XXXX. The correction of my name without my acknowledgment or initials. The notarizing of the documents without my presence. Most Importantly the unfair terms in the entire note and agreement including interest rate renders the promissory note simply invalid. This was during the time of predatory lending right before the housing crisis and bailouts. Lending practices were being violated resulting in invalid promissory notes and mortgages. I would like for Goldman Sachs and XXXX XXXX  XXXX to recognize the abuse and unfairness of the agreement and render the promissory note invalid. If we can not come to an agreement of some sort that satisfying to both parties then I have not other recourse but to seek legal redress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
In XXXX of XXXX ( date appears to be XX/XX/XXXX ), my principal balance was increased by {$1700.00} without any notice or explanation. 

I immediately contacted FedLoans ( of PHEAA ) to ask about the reasoning. They were not able to tell me why. After speaking with a supervisor, he told me that because I had switched the due date on my payments from the XXXX to the XXXX of the month ( i.e. paying earlier ), it had technically recalculated my due amount, and that had triggered interest capitalization. I asked them to undo this because I had not missed any payments. In fact, I had been making extra payments and had asked for an earlier due date than previous. They said nothing could be done. 

I filed a report with the Office of Consumer Advocacy from PHEAA. I had been working with a representative who also had difficulty understanding the increase in my balance. According to her, there should not have been a capitalization. She said that she would contact the Dept of Treasury. My last contact with her was on XX/XX/XXXX and the office has no longer responded to my emails or calls since. 

I am attaching my last correspondence with the PHEAA Office of Consumer Advocacy in XX/XX/XXXX, and the two bills that show the difference in the principal amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: FL
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:
Im submitting a complaint to inform credit bureaus I was the victim of identity theft. Per FCRA section 605b Credit Reporting Agencies are required to remove/block any erroneous accounts. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have been a Chase customer for almost 10 years. My activity with them has always been incredibly normal and transparent. On XX/XX/2023, my account was restricted and I was asked to call the bank. After I called, they mentioned ( in a recorded line ), that they had decided not to continue doing business with me, that my account would be closed within 10 days, and that my funds would get to me through a check 10 business days after that. They mentioned that they would not state any reason for my account closure, but that I had done nothing wrong. I waited for weeks and had been calling to see where my funds where, but nobody could ever give me a definite answer. This wait has caused immense financial strain and mental anguish, as I have run behind on car payments, credit card payments, medical bills, and all of my everyday expenses. Finally, I decided to open an investigation through the Chase Executive Office last week. As I called today ( XX/XX/2023 ), I was now given an entirely different version. They said that my account is being investigated but they could provide no details, no timeframes, and no reason for the investigation. This is absolutely surprising for me, as I am a business professional who has a W2 XXXX job and a small venture creating product unboxing videos. All of my activity is absolutely clear. Now, I have {$10000.00} retained, which represent all of my savings, and have been put to incredible financial strain due to this. I definitely do not deserve this treatment and I am asking for a prompt resolution to my situation from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: DISCOVER BANK
State: IL
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:
Discover refuses to remove unverified and inaccurate information on my credit report. I have disputed this account information as inaccurate with them several times and they were never able to validate this account. I was given no evidence of my obligation to pay this debt to this credit card company.
They are scammers targeting elders like myself that they perceive to be vulnerable -- those that are isolated, lonely, physically or  XXXX   XXXX , unfamiliar with handling their own finances.
The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action.
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. Im also contacting Adult Protective Services for help.
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: CL Holdings LLC
State: AZ
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Unauthorized withdrawals or charges

Complaint:
An account was created XX/XX/2023 for a company called XXXX using my credentials including my social security number. The company Jefferson Capital contacted me and said I have a debt of XXXX. I gave the company all my information including my email address. They gave me an email address that's not owned be me which is XXXX. Someone used this email to create an account and purchase something through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
i earn rewards on my wells fargo credit card but they decided to close my card and then they froze my rewards i then called in and an agent said that once i paid off my card and waited a few days i would get access to my rewards. 
some other agents told me i should just try to get the card reopened i tried and tried, but they did not help my wells fargo rewards account # is 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 2023-04-29
Company: JPMORGAN CHASE & CO.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
JP Morgan Chase bank has made my credit report look its worst I am unaware of the charges I will like a copy of the original contract with me and the lender name on it that shows this debt is mine. The amount shown on my report is ridiculous and already is shown as it being written off on their taxes this is tax fraud and I would like this negative inquiry off of my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23
Company: CAVALRY INVESTMENTS, LLC
State: DC
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:
CAVALRY PORTFOLIO SERVIC did an unauthorized credit check on my XXXX report. This Account Review Inquiry is unrecognized by me. It's fraud, I don't have no account or did any online credit application. 

This matter needs to be addressed right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
XX/XX/23 - Receive later from BoA that they are closing an account I was never aware existed and that they will be reporting the account which will impact my credit score. I call BoA and report the fraud and they mail me a fraud claim form. 

XX/XX/23 - I call number listed on fraud claim form ( XXXX ) and request an email address to send form. They provide me with an email and I send claim form and requested documents the same day. 

XX/XX/23 - Submit complaint to BoA because they have still not resolved the fraud issue despite me submitting claim form and requested documents. 

XX/XX/23 - Get response from XXXX XXXX at BoA asking me to contact them about complaint. 

XX/XX/23 - Call BoA, sent right to voicemail. Leave message asking them to contact me about fraud claim. 

XX/XX/23 - Get call back from BoA asking me to resubmit documents because XXXX is going on vacation next week and needs them right away to close the matter. I resend claim form and requested documents immediately upon ending phone call. 

XX/XX/23 - Receive email from BoA that account that is still under complaint is overdrawn and they are going to destroy my credit and still hold me liable for the overdrawn balance in an account I didn't authorize to set up or authorize a single transaction that took place. I send email to XXXX XXXX at BoA explaining the situation and requesting a little more urgency be placed on my case. 

XX/XX/23 - Receive another threatening email from BoA that if my account isn't fixed in 20 days my credit will be damaged and I will be liable for amount due. Still have not received any response from XXXX XXXX at Bank of America despite sending documents XXXX and a half weeks ago and sending follow up about the urgency. Call XXXX and leave voicemail to please, please make this urgent so I don't need to waste more time on this if it impacts my credit. I am getting XXXX responsiveness from the bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-01
Company: EQUIFAX, INC.
State: KY
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 filed 2 disputes on XXXX XXXX a debt collector reporting to Equifax in XX/XX/XXXX both came back as allegedly mine. I left it alone infrustration. XX/XX/XXXX I made contact and requested updated report from Equifax on XX/XX/XXXX. Recieved the report and called with a list of inaccurate information including XXXX XXXX {$320.00}. I called on XX/XX/XXXX to confirm seen changes and the dispute under investigation. In XX/XX/XXXX I became homeless and inneed of credit for housing which was denied based on the XXXX account. I've made several attempts calling every agency involved at this still remains on my report. XXXX & Equifax would not provide disclosure statement that my rights give me permission to. XX/XX/XXXX most recent report does not disclose the information being used against me with XXXX. They advised they would have to make contact with the original debter ( XXXX ) who sold the debt to these agencies. Equifax will not ackowledge the law & remove it based on the lack of information and several attempts to fix this matter even after providing Ftc report & letters from your department XX/XX/XXXX they say they have no recollection of your forwarded complaint from me. I have a response that contradicts the facts they alledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: FL
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-17
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: Account information incorrect

Complaint:
I have been working to restore my credit in order to qualify for a mortgage. Recently I paid off an old charge off and my credit score namely   XXXX   XXXX   which is used by lenders took a severe hit. I started the month o f   XX/XX/XXXX    at a   XXXX  . In an effort to increase my score I paid off an old charge in full. My score was then dropped by the   XXXX    agency to a  XXXX . The explanation offered by   XXXX   was because I had paid on an old account that it warranted my score dropping even though the account was charged off for 2+ years. This does n't make sense since I had also paid off prior charge offs in the months of   XX/XX/XXXX  an d   XX/XX/XXXX     and my score increased. But it gets worse. It 's public knowledge that  XXXX  was going to remove Civil Judgements if they did not have a social security number associated with them. I had a civil judgement from   XX/XX/XXXX  ( which was satisfied in  XX/XX/XXXX   ) removed from my credit report on or about   XX/XX/XXXX .    XXXX   XXXX   score dropped another   XXXX    points to a  XXXX . I have attempted to reach out to the  XXXX  Agency for an explanation into their scoring methodology. They can not explain such a large drop in less than one months time. Nothing else on my credit report has changed. No new debt or derogatory items were reported. I find this whole process to be inequitable and inexplicable. Like many Americans I ran into financial difficulty during and after the financial crisis. I am only attempting to qualify for a mortgage like I had prior to the crisis. I never had a bankruptcy or foreclosure. Despite doing the right things and paying old debts my score continues to drop. How is this fair to the consumer?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
my discover card charged me 3 returned check charges, even though i never used any checks and its there fault that they did not collect the payment. But i paid my bills. 
XXXX XXXX, 2023 RETURNED CHECK CHARGE {$30.00} Fees

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-17
Company: FIRST NATIONAL BANK OF OMAHA
State: NY
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:
Upon setting up my online account I m ixed up two number s on my bank account. Because of this mistake my payment was returned. Since this was a typo setting up my account I called the credit card and asked if they can return the {$25.00} I was told they can not return to fee.

Company response to consumer: Closed with monetary relief