BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-06
Company: JPMORGAN CHASE & CO.
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I've had an Amazon Prime CC through JPMorgan Chase Bank, N. A. for years. 

Chase emailed me an offer to open a checking and savings account with a {$500.00} dollar incentive so I thought I'd try them out. 

I open both accounts online through my online access with the CC  I had with them. 

I was told that in order to install their Mobile App I had to have either a debit or ATM card so I ordered an ATM card. 

ATM card arrived in the mail with no PIN and no instructions to active. 

I went online and chose a PIN. 

I transferred funds from my XXXX XXXX XXXX online savings account to avoid any fees. 

I received notice that the transfer was successful from XXXX XXXX XXXX. 

When with the Chase User ID and my account is locked out for suspicous activity. And I've called, and and I've visited their branch and they have no way to make an appointment without me logging in online. 

XXXX XXXX they had 2 bankers and 20 minutes later they said they have no appoints available today but I could drive to another city to prove who I am. 

Talk online and they are unable to send me a text to verify who I am and can not make me an appointment to visit a branch either. 

At this point I consider my XXXX stolen and will have to file a police report document the XXXX dollars and the facts and they will deal with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
About the last week in XX/XX/XXXX I received on phone call from ENHANCED RECOVERY COMPANY about {$200.00} dept for XXXX CABLE for an address in XXXX, Ga ( I live in XXXX, GA ) I didn't recognize account or the charge. I stated I only have a business account with XXXX and it's on autopay. They told me it must have been a mistake or wrong person and not worry about. That was it, one call and nothing else. Just to be sure, I went to the local XXXX office and they told there was an account in my name but they refuse to give the physical address and I should contact XXXX XXXX for Fraud and Identity Theft XXXX XXXX XXXX As they required I sent them all the info they need about me to this email : XXXX on three different dates ( XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX ) and no response at all. 
XX/XX/XXXX I got notice from XXXX XXXX about my credit report with XXXX : a new account in collections was added to your report. and effected my credit score. I've disputed the charges with XXXX and nothing happen. Not sure what to do now. 
My name is XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: MIDFIRST BANK
State: OH
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 opened a montage with XXXX XXXX in XXXX of XXXX. Never been late. In XXXX of XXXX I took advantage of the Covid Relief program. From XXXX of XXXX to XXXX of XXXX I was in the program. I was contacted by Midland Mortgage around XXXX or XXXX of XXXX, letting me know that my loan was sold to them. We made arrangements that I will come off of the Covid Relief program on XX/XX/XXXX. I made a full montage payment of XX/XX/XXXX, another full payment in XXXX, XXXX and XXXX. I sold my home in XXXX and on XX/XX/XXXX the title changed to the new owner. My loan was paid in full on the date and I was issued a check for what was left over. At that point my credit report was fine as it pertained to my mortgage. They didnt mark me as late or on time. XX/XX/XXXX I checked my credit report and Midland had reversed my covid relief status and thus making my forbearance period I had the previous year all delinquent. This is one of the promises of the program for homeowners not to get adverse credit reporting due to the pandemic. Not only have I never been 30 days late on my montage, this bad credit reporting all happened after I paid my mortgage off. On top of that, Midland is reporting 3 different things on the 3 major credit bureaus. All showing I have a balance with them although I dont have a balance. Midland wrote me a check for over $ XXXX on XX/XX/XXXX for what was owed back to me.

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 2023-11-07
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/, I deposited two IRS tax refund checks totalling {$8100.00} in my US Bank checking account. I was told by teller who took my deposit that US Bank was putting a 7-10 hold on the checks to verify them. I found out after I left when I tried to make a purchase that US Bank had placed a freeze on my account. Over the next 24 hours, from XX/XX/XXXX to XX/XX/XXXX, I was giving multiple reasons why this was done from multiple customer service reps at US Bank to the teller and branch manager at US Bank XXXX XXXX ohio branch. I was told checks were being held for verification then both checks bounced then fraud department had placed hold on my account. Finally I was told by teller who made deposit and branch manager at XXXX XXXX branch that US Bank risk department had placed hold on my account and was reviewing my account for closure. They said they didn't have reason why this was being done. On XX/XX/, I received a letter dated XX/XX/ from US BANK stating that my account was in process of being closed for 'suspected irregular activity '. I checked my online banking and a withdrawl was made on my account at XXXXXXXX XXXX for {$8100.00}. I immediately called US Bank XXXX XXXX branch and spoke to teller who took original deposit to ask who withdrew that money out of my account. She told me she didn't that information. I recorded my phone call on my cell phone with her. I asked when I would receive my balance of {$8100.00} and she stated it would be mailed out within 15 business days. It has been a total of 35 days and I have received no check or explanation of where my money is.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Experian Information Solutions Inc.
State: NY
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 want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$0.00}.

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 2021-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
My dispute was received by all three credit bureaus ( XXXX, Transunion, and XXXX  ) and I have got to hear a response after 30 days. The initial dispute was sent on XX/XX/2021.

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 2023-11-07
Company: JPMORGAN CHASE & CO.
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:
My wallet was stolen and inside my wallet was a few person items like my ID my social security card my debit cards and a few other things. I reported this to Chase bank and my claim was denied the next day. With no reasoning as to why. Since I forget everything I wrote down my new debit card pin which was inside my wallet. I just had a baby 3 weeks ago I cant afford to have money go missing. Chase isnt any help at all

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been paying our mortgage every month and our funds have been stored in the escrow account. Amerihome should have been paid our home insurance company on XX/XX/XXXX. As of XX/XX/XXXX, our insurance company has not received payment and we do not have insurance coverage on our house. I have contacted the company repeatedly to no avail. This is serious negligence and I hereby make Amerihome mortgage liable for any damages moving forward for not paying our insurance from the escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Netspend Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
In XXXX my wife and I discovered massive fraud on our XXXX XXXX XXXX checking account. We researched our account and discovered the fraud all occurred using my wife 's checking account debit card. The card was a XXXX issued by XXXX XXXX XXXX. We notified XXXX XXXX XXXX of the fraud and gave them 12 pages of fraudulent transactions dating back to XX/XX/2022. XXXX XXXX XXXX informed us that XXXX would only allow the XXXX XXXX to refund two months of the charges, which came to about {$3600.00}. We had a total of about {$8000.00} in fraudulent charges so we are out over {$4000.00} still. I called XXXX to try to verify if the the two month rule was correct, and to see if XXXX would do anything to assist with our loss since the charges were clearly fraudulent ( almost all were XXXX XXXX  and XXXX trips in XXXX  and XXXX, we live in XXXX ). I spoke to someone who barely spoke XXXX, she gathered my info, and said she would transfer me to an " Account Specialist. '' Instead she blind transferred me into XXXX XXXX XXXX 's phone tree. I need help without that {$4000.00} we are in serious financial trouble.

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 2023-11-07
Company: GOLDMAN SACHS BANK USA
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XXXXTHIS IS A BALANCE DISPUTE********* I had previously requested verification for duplicate charges from XX/XX/XXXX. Dispute was not resolved. Afterwards, when adding charges back to my account, the balance due was being doubled. I had requested an audit of my account. The balance was corrected, then thereafter doubled with no applicable charges. I had included invoices previously and requested the account be audited. The balance was corrected. This needs to be corrected as it is now adversely affecting my credit report. Correct balance due. This issue continues to keep happening. I have previously included billing statements from XXXX with the last submission for the same issue. XXXX***I HAVE AGAIN included statements from XX/XX/XXXX through XX/XX/XXXX. ******* PLEASE CORRECT***

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: DISCOVER BANK
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:
In XX/XX/XXXX, I contacted Discover because there were two charges from a company called XXXX XXXX XXXX totaling approximately {$8000.00}. The first purchase ( approximately {$6600.00} ) was made around XX/XX/XXXX, and the second ( roughly {$1500.00} ) was made the first week of XXXX. When I saw the charges, I immediately contacted Discover and filed a fraud dispute. I filed a police report as instructed and sent all the required documents. I also attempted several times to contact the merchant. I called more than ten times. I also sent emails. The company has yet to respond to or respond to my emails. Finally, I was informed in XX/XX/XXXX to file a billing dispute. So I did. Around this time, Discover provided temporary credit over three times and reversed it. It has been over eight months since the initial fraud filing, and Discover has provided me with no assistance. Recently, Discover reversed the credit they provided, and I am still waiting for a clear answer. I was informed in XX/XX/XXXX the last credit I received would probably be finalized because the merchant had yet to respond or provide proof of delivery. I do not understand or know what happened between XXXX when I was informed the temporary credit would likely be final and XXXX of XXXX. This has been eight months of emotional hell. I feel scammed by whoever used my credit card and by Discover. Discover has not protected me financially and mentally. I spoke with XXXX on Saturday, XX/XX/XXXX, from XXXX at Discover, and even she saw inconsistency in the investigation and noted it. All of this has exacerbated my health issue..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-06
Company: CITIBANK, N.A.
State: OR
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:
On my report there is a closed account with huge amount of missed payments. SEARS/CBNA Its not mine account. 
Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA SEARS/CBNA has violated my rights as a consumer and I requesting legal action to remove this account 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 explanation
Consumer complaint received 2022-04-26
Company: U.S. BANCORP
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I was emailed by a XXXX XXXX that was recruiting for a company named XXXX XXXX XXXX for the Admin Assistant position. 

I accepted the offer and we walked through the interview process on XX/XX/XXXX. 

I was then sent an email stating that I was accepted to the team and had been asked to fill out onboarding paperwork etc. 

I was sent a check on XX/XX/XXXX through FedEx and was asked to deposit it. The total for that check was XXXX. The purpose for the check was to pay for work equipment for my home office. I deposited the check at my US Bank branch. 

The funds were made available on XX/XX/XXXX. I was asked to pay a vendor through XXXX a total of {$2000.00} for my initial product payment, due to an apparent cap on the amount of funds available to send. I sent the funds in XX/XX/XXXX. 

After I sent the funds I was asked to purchase gift cards, four cards {$500.00} each, totaling XXXX. I refused to do this and checked my bank account due to fear of scam. 

My account was XXXX. And I knew I had been scammed..

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 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$18000.00} XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$18000.00} XXXX XXXXXXXX Balance : {$13000.00}

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 2021-01-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
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:
On my report there is a closed account with huge amount of missed payments. CAPITAL ONE BANK USA Its not mine account. 
Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CAPITAL ONE BANK USA has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. 
Please remove the fraudulent accounts from my credit report 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 2022-10-11
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX. XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX 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.

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 2018-07-19
Company: Harley Davidson Financial Services Inc
State: TN
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:
This Harley Davidson Credit account # XXXX has been settled and Paid. This account should be reported as " Closed '' XXXX  and XXXX incorrectly continue to report the account as " Open ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: EQUIFAX, INC.
State: CA
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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681, and they violated my rights numerous of times. I demand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax written permission to furnish these accounts.

Accounts to be removed : - Date Reported XX/XX/XXXX, Collection Agency - XXXX XXXX, Original Creditor name : XXXX, Last payment date XX/XX/XXXX, Date of First Delinquency - XX/XX/XXXX - XXXX XXXX balance {$5800.00} Account Ending in XXXX -Dept of ED/XXXX balance {$16000.00}, and balance {$3800.00} Account Ending in XXXX. 

- Hard inquiries - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08
Company: LEXISNEXIS
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I received a new auto policy for the year XXXX-XXXX, In the new policy it stated that there were four items that address my new auto cost and why they increased my policy. first of all, I been with this company for over 15+ years. I started in XXXX California and moved to XXXX XXXX 3 1/2 years later. I never been late with my payments or anything else. But for some odd reasons This third party bureau has decided to report Old information, inaccurate information and false information to my Auto insurance company. 
Secondly, I had spoken with LexisNexis consumer center several times in the past and future and told them orally and verbally that I would opt-out with there company and I placed a account freeze on my file. ( FCRA ). And they still provided information to " LexisNexis ''.

Company response to consumer: Closed with explanation