BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-03
Company: FIRSTBANK
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
It's been a month now since I tried to open a savings account for my new business so I could keep it separate from my regular accounts which I had for over 10 years. 
As soon as I walked in and handed the check I wanted to deposit the girl started right away to tell me that checks received from XXXX XXXX XXXX are suspicious. Well she opened the account but later that evening she called me and told me that the check was not going to be deposited because they needed to do an investigation. Investigation that made me feel that I was trying to make fraud cashing a bad check, they tried to contact my client ( check issuer ) to find out about what? Me? It made me feel like I was the target of mistrust or discrimination ( a XXXX with a check? ). I requested an explanation and the closure of the account. they gave me a letter that practically says to cash those checks in another bank or the issuer bank which is over 50 miles from where I live. As of today the account still shows opened, I only hope they don't charge for a XXXX balance fee. If they want to catch criminals they should do it with the proper institutions or not receive the check at all, it's not their job to investigate their clients or is it only me? 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
My son had his truck stolen. A police report was made and we had to go to court. His personal phone and our company phones and tablets were stolen from the vehicle. These devices were then used to access personal and company financial information. Charges were made through our cash apps to cash app multiple individuals, sometimes as many as XXXX etc transactions were made per day. XXXX XXXX XXXX did not flag the transactions as suspicious. When we found out, a fraud alert was placed on the cards. New cards were sent out. When we received the cards they wouldnt work. We called again and new transcations were made but not from the cards. They sent new cards again. Then again. Then again. We still were not able to use the cards, but transactions were still being made online though cash app even though the physical cards would not work and the fraud was reported. XXXX XXXX continued to let these indiviuals drain the cards account and post payments from personal and company accounts so they could continue to pull money from the cards. XXXX XXXX was informed of this and continued to let it happen know the physical cards were not working and they were also made aware that the financial information was stolen when the truck, computer, and both phones and files containing the financial info was taken. They were informed that there were police reports and court documents and still insist that myself and card holders gained from these transactions. There are only XXXX card holders, my husband and myself. No one else is authorized to use the accounts except my son when he is given permission while doing business for the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: EQUIFAX, INC.
State: NV
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 am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-03
Company: CITIBANK, N.A.
State: FL
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 have a citi dividend world master card. They offer every quarter different categories of rewards. I registered for rewards from the period beginning XX/XX/XXXX to XX/XX/XXXX which offers a 5 % reward on all purchases from home improvement stores and Home Depot is mentioned specifically on their quarterly calendar. I purchased merchandise from Home Depot on XX/XX/XXXX in the amount of {$320.00} and another purchase from XXXX XXXX XXXX XXXX in the amount of {$230.00} on the same date. According to my calculations I should have received a total of {$27.00} in rewards for these purchases. My closing date on the credit card is around the XX/XX/XXXX of each month. When I checked my rewards balance they only gave me 1 %. 
When I called in to customer service at the telephone number listed at the back of the card which is XXXX after being put on hold for a long time and speaking to some outsourced service I was told that I purchased the merchandise from a warehouse which I definitely did not. I mentioned to them that I have the original receipts of both stores and that I walked into an actual and real home improvement store and physically bought the merchandise definitely not from a warehouse or online. The representatives at the card company seemed adamant and refused to listen to my side which I have the receipt with telephone numbers that can easily be verified where I bought the merchandise from. Just to set my mind at ease I then called the two improvement stores and asked to speak to the store managers. They confirmed that they were not registered as warehouses but were registered as home improvement stores.I then called the credit company again to inform them of the information I obtained from the store managers of the two stores.They refused to listen to my side and were adamant on their verson of these being warehouse purchases. I have in my possession all original receipts.

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 2023-02-10
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Hi, My name is XXXX XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.

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 2021-05-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They keep calling me while I am at work, in the mornings and evenings and also on the weekends from different numbers and I have asked them politely to stop. I keep telling them to stop calling me and they will not stop. This company has so many phone numbers that the only way to block them is to never answer the phone. They disturb my work time and I have had them call while I am in meetings and it is affecting my job. 
They just called me again from XXXX at XXXX XXXX today XX/XX/2021 I have literally blocked over 40 numbers from them and I would guess they have called me over 100 times. This is madness. 
They have been told numerous times on their so called recorded line to stop calling me. 
Portfolio recovery is the worst and they dont seem to care about the law because I guess they think they are above it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The following Inquiries are being reported on my XXXX report : : XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  The following Inquiries are being reported on my Experian Report : XXXX XXXX XXXXXXXX XXXX XXXX  ( XXXX ) XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following Inquiry is being reported on my XXXX report : XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-05
Company: EQUIFAX, INC.
State: NC
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:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I had a checking account with Chase bank and it had XXXX cash in it because my husband and I are both not working. I asked Chase to STOP sending payments through the account that I had but they kept doing it and then charged me overdraft fees. The total in these fees ending up being in the XXXX of dollars. Everytime I would turn around, there was a charge taken out of my account and then an OD fee! My other bank states insufficient funds and will not let me take anything or pay anything but Chase? No! They keep doing it and doing it all to get the OD fees! I finally asked them to close my account and they didn't do it but kept charging me OD fees. Finally on XX/XX/2023, the closed the account but then the deposited a check into that account. How can you deposit a check into an account that is closed? not only did they deposit the check, but they kept the entire amout which was {$540.00} refund on insurance that we received because of something Biden set up? Not really for sure on that one. At any rate, the check was made out to my ex husband and he did not have a signature on file and the account was closed, so how can they cash this and keep it? It wasn't mine and it wasn't thiers either. They are refusing to do anything and keep telling me that this issue is closed. It isn't closed! I want that money back that was a GOVERNMENT refund!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX I received notification from my bank, JP Morgan Chase, that my savings account was placed on hold for the amount of {$6200.00} for a judgment that did not exist. XXXX XXXX XXXX XXXX. claimed to be representing XXXX XXXX XXXX for a debt that had already been previously dealt with years ago. The information from XXXX XXXX XXXX to Chase bank did not even have legitimate personal information of mine. When contacting Chase bank, they did not offer any insight as to how they screen for legitimacy before placing savings accounts on hold. In order to gain access to my funds, I had to pay out the money to the scammers or else Chase would have doubled the amount from my savings account. Instead of being out {$12000.00}, I complied. I am holding Chase bank liable for being scammed out of my money by frauds and want to know how/why my bank account was compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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  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 : States a consumer reporting agency can not furnish a account without my written instructions. 

I was promised this account would be removed from credit report by a representative of this company. This company has violated my rights and have not honored their promised as agreed upon.

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 2021-09-22
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited 3 checks totaling {$33000.00} at XXXX XXXX  on XXXX XX/XX/2021 at a Navy Federal branch location with a Member Service Reperentative. The bank teller informed me there would be a 2 business day hold on {$33000.00} of the deposited funds. The deposit receipt clearly indicates the same, and says " {$33000.00} will be held from your total deposit and will be made available for withdrawal after 2 business days (XX/XX/XXXX ) ''. 

I called Navy Federal on XXXX XXXX and asked them why my funds were still not available. They informed me they extended the hold time to 5 business days, and my funds would not be available until XXXX XX/XX/2021. 

This is contrary to their posted " Funds Availability Schedule '' which clearly states " If your check deposit is made with one of our MSRs and we decide at that time to delay your ability to withdraw funds, we will tell you then. If we decide to delay availability of your funds after you complete your deposit, we will mail you a deposit hold notice by the first Business Day after we decide to take that action. '' I deposited my checks with one of Navy Federal 's MSRs, and was told they were going to delay the funds by 2 business days, not 5. There is no provision in Navy Federal Credit Union 's Funds Availability Schedule that allows them to change the hold time for an additional 3 business days. Additionally, I have yet to be mailed a " deposit hold notice '' as their own policy clearly states.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: LD Holdings Group, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am writing to file a complaint with you about my mortgage lender ( loan depot ). They raised us almost {$600.00} a month for our FHA loan due to the fact that their companies merged and the new company wants 2 months in escrow. Weve had the mortgage for XXXX years now and this has never happened until they merged. We got the news right before the holidays. Ive requested to not have escrow but due to my loan I have to have it. Ive also asked to cut it up in lower payments and still nothing. We can barely afford our mortgage now never mind raising it even more. This is completely unethical and unwarranted especially with a government loan.We cant even get our person back on the phone again from them and have left numerous messages. Can someone please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Investigation Request Letter To Whom It May Concern : I received a copy of my credit report since I have been receiving several calls from lenders saying that someone is trying to open bank accounts in my name. And I notice that there are some inaccuracies on my personal credit reports. And I recently read that the Fair Credit Reporting Act gives me the right ( by law ) to challenge anything that is not 100 % accurate on my personal credit report. 

Now I am asking for a FULL INVESTIGATION and PROOF from the account holder XXXX XXXX to show how I was late for the months of XXXX, XXXX, XXXX, and XXXX of 2019 when I had applied for refinancing but kept making payments. 

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof then these XXXX XXXX ( XXXX ) accounts must be deleted. So, I am requesting them to be deleted because they are NOT 100 % accurate. So, could you please investigate and get back to me? I know from reading an FCRA lawyers site that you have XXXX days to complete this investigation. 

Again, investigate these accounts and remove them if anything is missing or not correct on them. 

Accounts Account Name : XXXX XXXX Account Number : XXXX Origin Loan Amount : {$15000.00} *Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX Account Number : XXXX Origin Loan Amount : {$9500.00} *Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Can I get an updated report after your investigation? You can use the above address ( same as my ID ) Thank you for your time and help 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 2023-10-19
Company: Mr. Cooper Group Inc.
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Subject : Complaint Regarding Unethical Practices by Mr. Cooper ( NATIONSTAR ) Dear Consumer Financial Protection Bureau, I hope this letter finds you in good health. My name is XXXX XXXX, I am writing to bring to your attention a matter of great concern regarding the mortgage company, Mr. Cooper ( formerly NATIONSTAR ). I have been a customer of Mr. Cooper for a little under a year. Recently, I have become aware of a series of underhanded practices that I believe warrant investigation. Despite having a fixed-rate mortgage, I have noticed a significant and unauthorized increase in my monthly mortgage payments. These alterations have been made without my consent, leaving me financially burdened and struggling to meet my obligations.I have made numerous attempts to contact Mr. Cooper 's customer service department to seek clarification and resolution, but unfortunately, I have received no satisfactory response. Also, previously I've had numerous problems with them and it truly stressful. 

This has led me to believe that there may be a systematic issue within the company 's practices, potentially affecting other customers as well.I am deeply troubled by this situation and believe it is imperative for the Consumer Financial Protection Bureau to investigate this matter thoroughly. It is essential that customers like myself are protected from deceptive practices and ensure that financial institutions are held accountable for their actions.I have attached relevant documentation, including copies of my original mortgage agreement, recent statements, and records of my attempts to communicate with Mr. Cooper. 

I trust that you will treat this matter with the seriousness it deserves, and I hope for a prompt and comprehensive investigation.Thank you for your attention to this critical matter. I look forward to a resolution that not only addresses my specific concerns but also ensures the protection of consumers in similar situations. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation