BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-02
Company: EAST WEST BANK
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
My family opened an account with East West bank ( https : //www.eastwestbank.com/ ). We deposited {$5000.00} on XX/XX/XXXX, via a check from XXXX XXXX XXXX. 

On XX/XX/XXXX, East West bank decided to close our account, without providing any reason. They said the {$5000.00} deposited to East West Bank will be credited back to XXXX. On XX/XX/XXXX, our East West Bank account was closed, and the account activity shows that {$5000.00} has been withdrawn. However, our XXXX account never received the {$5000.00}. 

I called XXXX, and they explained that this check was never received, and advised me to let East West Bank issue me another check. I then called East West Bank, and they said that the check has been mailed out, and it was not possible to mail another check. This time, East West Bank told me the routing and account number of the check. 

So I called XXXX again, telling them the routing and account number, but XXXX was not able to locate this check. I even escalated with XXXX and spoke with a supervisor, who was not able to locate this check either, and told me that East West Bank needs to issue a new check - the same thing I was told before! 

I gave one last call to East West Bank and asked to speak with a manager. The manager said they are not able to provide further information, and said that " further actions will be in vain ''. I have voice recordings of this conversation and can provide them upon request. 

I respectfully request you to take a look into this issue. The two banks involved are East West Bank and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On numerous occasions I have looked at my account on line and everything is fine, this is usually after midnight.only to later in am to see that transactions posted the previous day, even though that same day they show no record of it online to me. This is a frequent thing. The date manipulation is a way of getting overdraft fees. Also I tried to find the rules governing my account on their website and they were not available to me. I have Truist bright checking. Contacted representative and they could not find it either until they did some research. It doesn't seem right that the rules of my account should be hidden away somewhere. Also I am not an original Truist customer, I am a transfer from SunTrust. This whole operation is questionable in my opinion. Yesterday I made an electronic deposit, to keep my account funded to cover bills. They deposited the funds then reversed them and put a 10 day hold on it calling it highly uncollectible. Each semester I put cash in to my daughter 's college account to cover costs and each semester she will get a refund check which she endorses to me. That's what these funds were. Also printed boldly across the front is the statement that you can call this number to verify funds and the telephone number. The reversal through me once again into a negative balance and set me up to receive overdraft fees. I am constantly seeing the manipulation of account to accrue fees. I thought something had been done to protect the consumer from these erroneous fees

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 2023-02-04
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This is regarding a dispute resolution regarding the {$1200.00} charge from XXXX XXXXXXXX on my Chase credit card. 

We paid a {$1200.00} business upgrade fee to be seated in business class. When we go tot he airport we were held at the counter for 1 hour only to be told at the end of it that we could not be seated in business. Our family was also separated and we could not seat together despite having an infant with us. We requested a refund there but they refused to do anything and instead told us to contact the airline after the flight. I contacted the airline and never heard back since filing the inquiry in XX/XX/2022. It has been 4 months and this company has never gotten back to us. That is why I filed a dispute with Chase since I never received the service I paid for. Chase has done nothing about it over and over. 

I filed the dispute after following their procedures and being shamelessly ignored. I received an email from your department with many pages of useless paper which is apparently the airlines response. Evidently no one at Chase bothered to review the papers because it shows where we were seated on our flight which were ECONOMY SEATS. Yet CHASE sided with XXXX XXXXXXXX despite their own documents showing that we were seated in economy even though we paid a business upgrade of {$1200.00}. 

I have been defrauded and ignored by XXXX XXXXXXXX and Chase is refusing to do anything about it. You need to give me my {$1200.00} back because I never receive the service I paid for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-08
Company: EQUIFAX, INC.
State: IL
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:
There were several accounts that i disputed on my credit report. They were either not my accounts, or were reporting incorrectly. I sent the dispute in to Equifax and XXXX. I asked to give me the information received from the companies that were contacted to verify that these were my accounts. I received nothing back from the credit bureaus but the accounts were verified to be mine. I then sent another method of verification letter to Equifax and XXXX. The same results, verified but they did not tell me how and by who it was verified. On Equifax the accounts were, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  which shows twice but are the same account and XXXX XXXX XXXX. On XXXX the accounts are XXXX XXXX XXXX XXXX XXXX accounts. Also on both bureaus there are inquiries that are not mine and should be removed. Every time i sent a dispute about inquiries they tell me to contact the company directly. I contact the company they tell me to contact the credit bureaus. Also XXXX has my name spelled incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2022-06-02
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
To Whom It May Concern : I previously wrote you to investigate and verify a bankruptcy listed on my credit report and I received a response that the bankruptcy was verified with the bankruptcy court. 
Experian did not respond to me in writing and include the method of verification under FCRA 611 ( a ) ( 7 ). 
I contacted the courthouse to verify their information release policy. The court informed me that they do not provide anyone with a debtors full social security number and they do not provide ANY credit bureau ANY information about ANY bankruptcy cases. 
Secondly, As I previously stated in my 1st dispute, the information is inaccurate on my consumer report. It is listed on my consumer report as XXXX XXXX XXXX XXXXXXXX. Which is incorrect. The Correct name is United States Bankruptcy Court. The state and zip code are also not listed in report. 

It is quite clear that someone from Experian lied about verifying this bankruptcy with the courthouse. That is a violation of the Fair Credit Reporting Act ( FCRA ). 
As you know, it is also a violation of the FCRA to report inaccurate or unverifiable information on a credit report. Thus, I demand that you IMMEDIATELY REMOVE the following bankruptcy from my credit report : XXXX XXXX XXXX  Docket # XXXX Please respond to me in writing and include the method of verification under FCRA 611 ( a ) ( 7 ). This should include the following : Please respond to me in writing once this removal has been completed. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Consumer Adjustment Company Incorporated
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
CACi sent me a collection letter via email, found in my spam folder on XX/XX/2023 with limited information about a debt. The email was dated XX/XX/2023 and stated I had until XX/XX/2023 to dispute the account and request verification and validation of the debt. Per the letter from CACi, I could dispute the account online. I responded to CACi on XX/XX/2023 via the online dispute email address they provided, one day after I found the email. I received notification from XXXX XXXX that CACi added the collection to my XXXX report between XX/XX/2023 and XXXX, XXXX 2023. They never responded to my request. I have never received any communication from CACi via USPS, before or after I disputed the account. 

Per the CACi letter : From : XXXX Date : Fri, XX/XX/2023 at XXXXXXXX XXXX Subject : RE : Your XXXX XXXX XXXX XXXX  account, # XXXX To : XXXX XXXX How can you dispute the debt? 
Call or write to us by XX/XX/2023 to dispute all or part of the debt. If you do not, we will assume that our information is correct. 
If you write to us by XX/XX/2023, we must stop collection on any amount you dispute until we send you information that shows you owe the debt. You may use the form below or write to us without the form. You may also include supporting documents. We accept disputes electronically at XXXX. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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've found that my credit report has erroneous information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX., XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2021-06-18
Company: JPMORGAN CHASE & CO.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On or around XX/XX/XXXX /XXXX  XXXX. I used the app XXXX through my JP Morgan Chase account. I was told this app was a safe and secure way to send money. I have used this to send money to my sons in past. When I used it this time, my Son never received the money. I called the bank and to report this. I was told to file a claim. Next, I went to my local branch asking them to investigate where my money went. I was told both on the phone and in-person that an internal transfer had been made and the bank would have to contact the account holder to get it back. I explained MY SON DOES NOT HAVE AN ACCOUNT WITH CHASE SO IT COULD NOT HAVE GONE IN HIS ACCOUNT. Then I received a letter XXXX XXXX saying they would credit my account while conducting an investigation. Then on XX/XX/21, I received a letter saying they finalized their investigation and found no error on their part and they would be taking the {$1000.00} dollar back!!! This makes no sense to me because I DID NOTHING WRONG except trust the fact they would see the name on the account did not match my son 's name. I work hard for my money and I was just trying to help my son. He has XXXX  problems and had been out of work. Losing {$1000.00} is a hardship to me. I'm XXXX and don't have that kind of money to just write off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: EQUIFAX, INC.
State: PA
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:
I have no knowledge of these following inquiries. they were not made by me. I have reached out to these creditors and haven't gotten any results. The names of the following inquiries are XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 32 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2019-07-27
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I refinanced my loan back in XXXX, I thought the refinanced paid off my 2nd mortgage so I did not pay it. Once I found out I owed for this mortgage almost 10 years later, I discovered the tenants ( family members ) staying in my home were not paying the mortgage. I hired the law firm to help me avoid foreclosure in XXXX, they attempted to encourage Chase to use the title company who erred in the title search to get the money for the second mortgage but Chase would not. I tried to get a modification of the loan in XX/XX/XXXX, Chase ignored it. I tried to sell the home and at the last moment the 2nd mortgage company found out they were first and Chase backed out of the sell ( the price was  {$120000.00} ) because they were no longer first and would not collect all that was owed to them. The Law office tried to get the 2nd mortgage company to forgive the 2nd mortgage but they stated they did not like how Chase treated them so they would not sign off on the loan. Then Chase offered a modification that started XX/XX/XXXX was finalized in XXXX XXXX the amount I owed to Chase went from {$98000.00} to {$140000.00} with my loan stretched out to 40 years vs 30 years. I agreed to avoid loosing my home. All taxes and fees were included with this modification. In XX/XX/XXXX Chase did an Escrow analysis that resulted in an increase of my monthly payment from {$1100.00} per month, in XXXX of XXXX another Escrow analysis resulted in a payment of over {$1300.00} and in XX/XX/XXXX another Escrow analysis raised my payment to over {$2200.00}. I did call Chase and they offered another modification but I would have to start over in the process and do this all over again. The new payments starts in XXXX and I am just uncertain if it can be done. 

I signed a modification and I have paying faithfully. I can not afford {$2200.00} in loan payments and they could not explain to me why. I called and was told that I had a {$45000.00} overage. But according to the modification, it was supposed to include all of this. Chase erred with my refinance in XXXX, would not sue the title company in charge of the search to make amends for the error and now is trying to place the burden on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XX/XX/XXXX - {$4000.00} XX/XX/XXXX - {$1400.00} XX/XX/XXXX - {$1800.00} XX/XX/XXXX - {$7300.00} XX/XX/XXXX - {$4500.00} I contacted all three credit bureaus explaining that these account were deferred.

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 2023-08-01
Company: EQUIFAX, 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: Account information incorrect

Complaint:
There are late payments reporting on an account on my consumer report that are inaccurate and i would like them to be updated to current. Below that ive attached a direct email from the company of these late payments being update back in may and they are still reporting on my report.

Account Name : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: EQUIFAX, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/2022 I was charged two overdraft fees in the amount of {$10.00} each for pending transactions on XX/XX/2022. 
I called Bank of America to understand why I was charged these fees. I spoke with two separate representatives who reviewed the frequently asked questions on this topic as well as directed me to the Personal Schedule of Fees document ( effective XX/XX/2022 ). 
In reviewing all information available on the website as well as the Personal Schedule of Fees, they state that {$35.00} fees apply to overdraft transactions. Both representatives shared that this information was outdated. When asked where I can find the correct, applicable fees schedule, I was directed to a press release ( dated XX/XX/2022 ) and an email sent to all customers ( received XX/XX/2022 ) both of which direct the reader back to the Personal Schedule of Fees which reflects different fees from those referenced in the announced updates which reportedly took effect XX/XX/2022. The second bank representative offered that I go in-person to a branch for the fee schedule but then realized it would be moot since the same information would be available at the branch. The second representative stated that Bank of America would be updating the Personal Schedule of Fees but until then the email and press release contain the correct information and not the Personal Schedule of Fees document or any other information on their website.

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