BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-19
Company: JPMORGAN CHASE & CO.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2022 XXXX XXXX XXXX ' sent a payment in the amount of XXXX XXXX dollars, as a payment for tourist services. 
Sending bank : XXXX XXXX XXXX  ( XXXX ) Beneficiary bank : XXXX XXXX XXXX XXXX XXXX XXXX ) through JPMORGAN CHASE BANK , N.A . ( XXXX ) Bank Sender Reference : XXXXXXXX XXXX  : XXXX The beneficiary 's bank ( XXXX XXXX XXXXXXXX XXXX  ( XXXX ) ) after XXXX this XXXX sent it back along the route : XXXX XXXX XXXX JPMORGAN CHASE BANK- XXXXXXXX XXXX I have confirmation from XXXX XXXX XXXXXXXX that the payment was received by them and sent to JPMORGAN CHASE BANK 06 apr 2022 ( attached ). 

On XXXX XXXXXXXX XXXX XXXX was designated under the Executive Order 14024. Considering this, my payment must be blocked by intermediary bank according to US sanctions regulation. In order to unblock the payment, I need to apply for a specific license to OFAC. However, JP Morgan Chase Bank has not still blocked the payment or has not informed originating bank about freezing measures. Thus, I can not apply to OFAC for a license that is necessary to unblock my funds because to do so, I must fill in some data and specifically the date when the payment was blocked. Otherwise, OFAC may not locate the records of the blocked payment. 

We tried several times ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX all our appeals are attached. ) to contact JP Morgan Chase Bank via XXXX from XXXX Bank asking them to clarify if the payment was blocked and reported to OFAC and when. Still, JP Morgan Chase Bank has not responded. Thus, I can not apply to OFAC for a license that is necessary to unblock my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: TX
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:
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.

Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2019-05-25
Company: EQUIFAX, INC.
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: Public record information inaccurate

Complaint:
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX  and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Problem with personal statement of dispute

Complaint:
Good evening I received a response from TransUnion about a couple disputes I sent to them about a XX/XX/XXXX. One being a XXXX XXXX closed account that was reversed. from current payed account to late 30 days I need you to look at this and make it make sense because maybe my eyes bad first off transactions and or expressions are not apart of ones consumer report 15 USC 1681A ( 2 ) ( a ) so reporting an account like this is illegal and two how can something be late if its shows it was payed the same month and year they claim it was late The Second dispute is for XXXX XXXX account which is reporting a LATE PAYMENT XX/XX/XXXX once again TransUnion did not address the issue of it being illegal to report Late Payments 15 USC 1681A ( 2 ) ( a ), or how about 15 USC 1666B TIMING OF PAYMENTS, and 15 USC 1666 CORRECTION OF BILLING ERRORS, XXXX XXXX XXXX I didnt ask for the account to be verified they think they can just say its verified and think thats it I told them the information that you are reporting is private and I did not give permissible purpose to report sell or furnish my private information to any third party consumer reporting agency first off and secondly LATE PAYMENTS REPORTING IS ILLEGAL as I stated for all of these companies that choose to report TRANSACTIONS and transactions and or expressions are not apart of a Consumer Report, Consumer law prohibits this type of reporting, they dont care about the law I inform them of these errors and they refuse to correct them because they think they can do what they want this complaint is the next step in having you step in to make them abide by consumer law next I will be suing because XXXX tied of the disrespect

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 2019-10-08
Company: Nationwide Recovery Systems, Ltd
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ATTENTION DISPUTE DEPARTMENT XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX NWIDE RECVRY XXXX NWIDE RECVRY XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious NWIDE RECVRY XXXX NWIDE RECVRY XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: U.S. BANCORP
State: SC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XX/XX/23 I submitted a balance transfer request from XXXX XXXX card ( XXXX XXXX ) to XXXX XXXX. On XX/XX/23 I could not use my credit card due to security verification needed. The rep said the balance transfer request was done online and we need to ensure it was you. I verified the transaction but there was some mis-information about delivery times to XXXX XXXX and what method would be used ( paper check to them or ach payment ). 
Today XX/XX/23 I requested the balance transfer to be cancelled. The reasons being the delay with validating my identity and lengthy processing time I will not only be paying a balance transfer fee and accruing interest at XXXX XXXX. 
The reps at XXXX stated to me today the transaction could not be cancelled because it was in process ( estimated time frame 14 days ). The supervisor stated that I agreed to the terms and conditions. No where in the terms and conditions state the balance transfer can not be cancelled. I was informed it can only be cancelled when a check is issued or an ach done to XXXX XXXX. This makes no sense. Can CFPB please provide assistance. Thank you for your time/

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 2017-05-11
Company: Experian Information Solutions Inc.
State: CA
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:
On    XXXX   XXXX   2016 m ailed  3 forms to all  XXXX  bureaus Experia n  XXXX .  XXXX   XXXX   XXXX , TX  XXXX .  XXXX   XXXX   XXXX .  XXXX   XXXX   XXXX , PA  XXXX  with  2 forms of ID and a Utility bill. I have reviewed my credit report and found informatio n and accounts that I do not recognize that may be a result of Identity Theft. As such, I am exercising my consumer right to demand a full investigation immediately. According to the Fair Credit Reporting  Act, Section 609 ( a ) ( 1 ) ( A ), you are required by law to verify any and all accounts you post on a credit report, otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( a consumer contract with my signature on it ) you have on file of the account ( s ) listed below. These accounts are showing as late, and are incorrect. The following accounts need to remove the late showing immediately .   Name Of Account Account Number Please Provide Physical Verification   XXXX   XXXX   XXXX    XXXX    UNVERIFIED COLLECTION    XXXX   XXXX   XXXX   UNVERIFIED COLLECTION   XXXX   XXXX    UNVERIFIED COLLECTION   XXXX   XXXX    XXXX    UNVERIFIED COLLECTION   XXXX   XXXX   XXXX   UNVERIFIED COLLECTION   XXXX   XXXX   XXXX   UNVERIFIED COLLECTION   XXXX   XXXX   XXXX   UNVERIFIED COLLECTION   XXXX   XXXX   XXXX   UNVERIFIED COLLECTION   XXXX   XXXX   XXXX   UNVERIFIED COLLECTION   XXXX   XXXX   XXXX   UNVERIFIED COLLECTION   XXXX   XXXX   XXXX   UNVERIFIED COLLECTION   XXXX   XXXX   XXXX   UNVERIFIED COLLECTION   XXXX   XXXX   UNVERIFIED COLLECTION   XXXX   XXXX   XXXX   XXXX   UNVERIFIED COLLECTION   XXXX   XXXX    UNVERIFIED COLLECTION    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   UNVERIFIED BANKRUPTCY   XXXX   XXXX   XXXX   XXXX    UNVERIFIED BANKRUPTCY  I have not received any corresponding mail from Experian or  XXXX  regarding my request to To verify That these accounts belong 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 explanation
Consumer complaint received 2023-09-18
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX, an unauthorized user called into Macy 's Credit Card services and changed the name on the account from my name to their name using the self-serve phone tree and self validated using the last for of my social security. 

This person then made an unauthorized, in store purchase of fragrances on XX/XX/XXXX for a total of {$250.00}. 

I received an email asking me to leave feedback regarding my in-store purchase. I then promptly called in and reported the fraud / unauthorized purchases and requested to close my account. 

After I closed the account, the unathorized user then called back in and had a new credit card issued which they then did another in store purchase for {$350.00}, this time for watches. 

I called in immediately and reported a stolen card and again asked Macy 's to close my account. 

Then on XX/XX/XXXX, I was notified that Macy 's had issued another card to the unauthorized user. I called in and again reported the card stolen and again asked for my account to be closed. 

Then again on XX/XX/XXXX, I received a notification that a new purchase of {$120.00} was just made using a brand new Macy 's Star Rewards credit card in the authorized users name which using my social security number. I called in on the XXXX to escalate and have been told that the account will be closed and no further credit cards will be issued ( Same thing I was told the three past times ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I received an alert email From XXXX XXXX stating I have a hard inquiry from this company I have never heard of, i immediately called the company and was told that a credit card application was in fact applied, which I did not authorize.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Block, Inc.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Cash app is experiencing a technical issue. The issue has prevented me from unlinking my personal bank card from cash app. The app has also blocked me from skipping the option to add an additional bank account card. I can not navigate into my cash app account unless I provide an additional personal bank card for linking purposes which this issue has never happened. I selected the option for cash app to never use my location. Cash app disregarded my request to never use my location and instead provided me with my location. I strongly believe a security breach took place and consumers personal information may have been compromised. Cash app recently experienced a breach that allowed every and anyone to use their cash app account without funds being available. I have reached out to cash app regarding this issue and was informed someone would get back I touch with me later.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: Chime Financial Inc
State: NY
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:
- An unauthorized payment was made by someone using my debit card info today. I filed a dispute. The two unauthorized charges were {$9.00} and {$1.00}. 

- The estimated review month was XX/XX/XXXX so I called chime asking why it was going to take so long. 

- They confirmed the review date was XXXX but I would receive a preliminary credit on the XX/XX/XXXX. Besides the fact that if this was a larger payment this would hurt me because I have bills due NOW where if I dont pay them my life is ruined ( credit score ruined, eviction from apartment, etc )- They told me though that if the claim was denied Id owe them the credit. So if I receive the credit for {$9.00} and {$1.00} on the XXXX and the claim is denied in XXXX then Ill have to pay Chime back credit for the {$9.00} and {$1.00} that was for an UNAUTHORIZED payment. 

All in all now I feel unsafe keeping my money with chime financial products like checking, savings, and especially the secured credit card due to the fact that if a claim is denied even if the payment was unauthorized I end up potentially losing hundreds of dollars, and if used with my credit card it would damage my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
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:
Account XXXX XXXX I have wrote a letter requesting VERIFIED proof of debt or proof of undertaking. 
XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX Notice of Default and Opportunity to Cure XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX Not respond I acquired my Credit Report and asked the credit bureaus to make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) Send A letter to Equifax XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX Equifax did not modify or remove anything their response was that this account was already verified Equifax is showing a last active date XX/XX/XXXX this account also shows as a charge off and sold to another company on XX/XX/XXXX by the FCRA the report has to be accurate, and this report is NOT accurate. 
Which is a violation. This is impacting from moving forward

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I found out that I was scammed through a company who offers to pay me for advertising their product and I had to deposit a check that unknowingly was fraudulent i didnt know it was the check cleared after a day in my account so I just assumed it was safe the bank has frozen my account and demands money back that I dont have

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have had a credit account with Bank of America for two years. During that time I have made payments with my XXXX Checking account which I had set up to use. Several months ago, my daughter added me as a secondary to her Bank of America Checking account. Since then my payment of XXXX was deactivated on their end, I was advised that I had to electronically resubmit my checking account number. When I did their system burst multiple verification numbers, so that when I attempted to verify, the Bank of America server locked out my account number. I am told that even though it was their mistake, they ca n't do anything about it. As a person with a XXXX XXXX in XXXX XXXX, I know this is not the case. They are telling me I have to be even more inconvenienced and I have to print a form to mail to them. Since I currently am without a printer I asked them if I could receive the form at a Bank of America branch. They told me I could n't because they were a separate entity. If that truly is the case then my payment method should not have been deactivated by above actions. I am not comfotable going to a public computer to do this, which is what they are telling me I have to do. So, I have to wait until I have the ability to print this form electronically from my home before this problem can be resolved.

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 2017-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Hello I just made a large payment of {$650.00} to my  XXXX  card two days ago online. The amount has been recorded to my account as shown. However that new lower amount due is not showing on my credit report leaving me with a higher, older balance due, larger credit utilization and as such when I pull my FICO score, a lower score. Because I would like to move into another home and become pre-approved, as soon as possible, my chances of the best terms have been and are being impaired do to the latency of the automated system update cycle. I am requesting a forced manual update of my balance to the credit bureaus by validation method as per procedure in FCRA section  623.

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