BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Chase refused to close my empty checking account and delete my personal data. I submitted two requests via secure message while logged into my account to accomplish these two tasks. Chase is demanding that I appear in person at a branch. I am asking you to instruct Chase to close my account and delete my personal data without any further action on my part. 

The reasons why it should be unnecessary to go to a branch to accomplish these two requests is because ( 1 ) I submitted the requests via Chase 's secure message system from which I am logged into my account, confirming my identity, ( 2 ) visiting a branch in person is arduous, and ( 3 ) I have previously been unable to accomplish a basic account update in person at a branch ( which was my reason for submitting the requests electronically ).

Regarding # 3 above : I visited the branch where I opened the account twice after the account was opened ( two months ago ) to resolve a problem with the account title. Both times I delivered proper paperwork to effect the change ( a certification of trust ), once on another bank 's form and once on Chase 's form. After receiving my next statement and realizing the branch never made the change, I reached out to Chase through secure message to have the change made, but was instructed to go to a branch. Having already been there twice with no resolution and unable to accomplish it electronically, I transferred the assets out of my account ( through Chase 's website ) and requested that the account be closed and my data deleted ( also through Chase 's website ). 

Visiting a branch is arduous and, as I learned trying to correct the account title, ineffective. Further, I have not been given any explanation why my physical body must be present in a branch to accomplish my requests. In the present electronic age I assume Chase would permit me to open an account via secure website connection. It should permit me to close an account that way too. 

The reason for me involving your agency is because I believe Chase is putting its minor business interests above the major impact its actions have on consumers. Chase could be motivated to keep my empty, " zombie '' account open for as long as possible to charge me a maintenance fee and/or retain my personal data for marketing purposes. But an open account affects my credit score, and retaining my personal data unnecessarily makes it available to hackers. ( The business and the consumer should be allied about the risk of data hacking in this instance, since failing to comply with my request to delete my data makes Chase liable for a future theft of my data from them. ) Please instruct Chase to comply with my repeated requests to close my account and delete my data. Thank you for your consideration. 

Attachment : Secure message exchanges

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-11
Company: Cascade Capital, LLC
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was on XXXX XXXX in the XXXX XXXX at the time I incurred the debt, by being taken to the emergency room. This was XX/XX/2012. My XXXX should have covered it. Nonetheless I did pay the {$480.00} some years later to XXXX XXXX XXXX XXXX The amount incurred or being attempted to collect is {$480.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Equifax : XXXX, XXXX Equifax : XXXX XXXX XXXX Equifax : XXXX XXXX XXXX Equifax : XXXX, XXXX Equifax : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX Equifax : XXXX, XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Equifax : XXXX, XXXX Equifax : XXXX, XXXX Equifax : XXXX, XXXX Equifax : XXXX XXXX XXXX Equifax : XXXX XXXX XXXX Equifax : XXXX, XXXX XXXX XXXX Equifax : XXXXXXXX XXXX XXXX XXXXifax : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights . 

I have already disputed these items with the bureaus, but they did not remove them, nor prove validation under Sec. 609 FCRA.

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 non-monetary relief
Consumer complaint received 2023-10-10
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am writing to file a formal complaint against Citibank regarding a recent and sudden reduction in my credit card limit without providing the requisite 45-day notice, as outlined in 1026.9 ( g ) ( 4 ) ( i ) of the Consumer Financial Protection Bureau 's regulations. This action deprived me of the opportunity to reject the change, which is my right according to 1026.9 ( h ) ( 1 ). 

On XX/XX/2023, I received a notice from Citibank informing me that my credit card limit had been reduced, with no prior communication or warning. This sudden change has not only caused immediate financial inconvenience but has also raised concerns regarding Citibank 's compliance with federal regulations that protect consumer rights in the financial sector. 

Under 1026.9 ( g ) ( 4 ) ( i ), credit card issuers are required to provide cardholders with a minimum of 45 days ' notice before any adverse changes to the credit card terms. However, I was not afforded this courtesy in this instance. This lack of notice left me with no opportunity to evaluate my options, potentially seek alternatives, or reject the change should I have chosen to do so, as granted by 1026.9 ( h ) ( 1 ).

I believe that Citibank 's actions are not in accordance with the regulations put in place to safeguard consumers like me. I request that the Consumer Financial Protection Bureau investigate this matter and ensure that Citibank complies with the established federal guidelines. I also request that Citibank reverse the credit limit reduction and provide the required 45-day notice as outlined in 1026.9 ( g ) ( 4 ) ( i ) so that I may have the chance to make an informed decision regarding my credit card account. 

I appreciate your attention to this matter and look forward to a swift resolution in accordance with the law.

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 2023-06-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
I found some hard inquiries on my credit report that I am not aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent Items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-30
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
This entity was able to seize my bank account funds and hold my deposit box for no right reason. I was accused by this entity that I owe them money since XXXX, they failed to inform me about any of the process to see them in court as they claims. They took over {$3000.00} from my bank account and ruined my credit report. They claim they represent a fraudulent management company XXXX whom told me to leave their property without harm as they failed to provide safe and livable place for my family to stay as the roof fall on us and left us with no walls for 2 months and we have email from the superiors that we have all rights to move out and both parties will be even with no harm to Sue them neither them claim anything against me and my family. On XXXX found this entity seized my bank account and my wages without any proper way of notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Navient Solutions, LLC.
State: IL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Navient has been calling me several times per day, morning, afternoon, and evening. I have asked the company numerous times to stop calling me. I have also filed a previous complaint with the CFPB to get Navient to stop calling me, and yet they continue to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: Checkr, Inc
State: LA
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: Information is incorrect

Complaint:
I had a checkr background check ran for a job at XXXX. My motor vehicle report came back with the wrong info on my drivers liscense being suspended but it has been re-instated and im no longer able to get into my XXXX checkr background check. They emailed my manager to tell me to file a dispute but i can no longer access the background check. I dont know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: EQUIFAX, INC.
State: GA
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 XXXXXXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX Under the FDCPA ACT, and my rights FCRA Ive involved these accounts in civil litigation against these credit Bureaus for unauthorized and Fraudulent actions concerning these accounts on my credit report.The credit Bureaus are constantly in violation of my consumer right of not sending documentation of non verified debt for non permissible purpose under section XXXX & XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXXXXXX XXXX Auto Financing XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XXXX Finance/Personal XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Bank Credit Cards XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: U.S. BANCORP
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX, I opened a silver business checking account with banker XXXX XXXX XXXX XXXX at the US Bank branch at XXXX XXXX XXXX XXXX, XXXX, WI XXXX. He walked me thorough the website to open the account & register for online banking, registering for the promotion for a {$300.00} bonus when {$3000.00} was deposited with 30 days of account opening & online banking activated. He confirmed I qualified for this bonus # XXXX he added to my application, and that activating my online banking with him qualified me to receive the {$300.00}. He also mentioned that depositing the new {$3000.00} in funds via ATM or lobby in person will be ok since the mobile app wasn't working for 30 days as a new account holder & a wire transfer or ACH wasn't available. After following up with XXXX-8 US Bank employees in various departments the past 2-3 months since XXXX & calling the IT desk, business services, stopping by the branch in person & emailing various departments via the website every few weeks, they verified I qualified for the bonus several times, and were just waiting for the team manager that did the review to activate the bonus. With my last interaction XX/XX/XXXX with XXXX XXXX at the same XXXX XXXX branch phone : XXXX, he mentioned I didn't qualify for the {$300.00} bonus since I didn't deposit the {$3000.00} on XX/XX/XXXX via mobile deposit. I told him I was told any means of deposit including ATM & lobby deposit would qualify me for the bonus by XXXX via phone & XXXX 's email correspondence confirming I qualified for the {$300.00}, since the mobile site wasn't working when we opened the account online together with Banker XXXX XXXX XXXX XXXX. I followed all the instructions given exactly, and was assured I would receive the {$300.00} account opening bonus by XXXX. Now 14+ hours of follow-up ( several more voicmails left for XXXX & XXXX XXXX XXXX XXXX XXXX branch ) & several months later I have still not received it. I would like to be paid and receive compensation for my 14 hours to date ( XX/XX/XXXX ) of wasted time by their stonewalling & fraud bait & switch tactics. The US Bank culture is rotten & as an XXXX XXXX myself, I see several material weaknesses & fraud risks throughout this organization. I still had access to former entity accounts form 2+ years ago & that same entity had their email on my new account opened up in XXXX. I was also accosted at their ATM & when I reported it to the tellers that day, nothing was done " we have no security today ''.

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 2021-01-15
Company: Shellpoint Partners, LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Under Federal Law relating to revolving errors in servicing my loan I have a right to submit complaint to Consumer Financial Protection Bureau. Suspicious actions were taken by New Rez LLC. NMLS # XXXX. 




Fradulent activities getting my payments and not applying them on time reversing them back and forth making my loan go to default. 

1. Regularly unapplied my payments by holding it for up to 27 days and applying late. Make me pay all kind of fees.

2. Calling from XXXX XXXX rep. XXXX XXXX on XX/XX/XXXX to collect secondpayment after I paid manually online on XX/XX/XXXX and it is still unapplied on XX/XX/XXXX. 

3. Turned off my Autopay on scheduled date XX/XX/XXXX and XX/XX/XXXX for a reason my loan late past due. 

4. Force me make 2 payments a month on amount of {$1000.00} for last 2 months. Total I made 13 regular payments and 3 additional principal payments XXXX. Total made 15 payments year XXXX. 

5. Sent representative to sneak by my property on XX/XX/XXXX without any notice and explanation by mail or byphone. 

6. Didn't notify me for {$15.00} fee which was added for property inspection. 


All dates and amounts and actions added to attached document.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XX/XX/XXXX, XXXX Company not authorized to run hard inquiry credit. 

XXXX XXXX XX/XX/XXXX, XXXX Company not authorized to run hard inquiry credit. 

XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX Company not authorized to run hard inquiry credit.

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 2022-10-14
Company: Continental Finance Company, LLC
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I filed a complaint with your office. They closed my account and waived the annual fee. They opened it back, charged the annual fee. They closed it again, but didnt waive the annual fee.

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 2019-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
My identity was used to try and open several accounts without my knowledge or consent. I'm requesting the inquiry removed from my file. I'm unable to dispute using the online portal.

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 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-06-30
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: Problem with personal statement of dispute

Complaint:
I experienced a sudden drop in my credit scores. I requested a copy of my credit report and discovered negative remarks that were added on XX/XX/2021. The account with the negative remarks is an old closed account and has inconsistencies with all 3 bureaus. I submitted a dispute letter to investigate. A letter was sent back stating that the investigation was complete and verified as accurate, however, information unrelated to your dispute has been updated. I sent another letter requesting information on who was contacted, the method of verification etc, and was sent a second letter ( from XXXX  as well as Trans Union ) with the very same, verified as accurate, however, information unrelated to your dispute has been updated. I have sent yet a 3rd letter certified with a return receipt requesting the same information via XXXX. My information has also been compromised and there are incorrect phone numbers and addresses listed. I am taking steps towards correcting this as well. All 3 bureaus have inconsistent information on this same account.

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