BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Draining money out of Landlord -Tenant Escrow Account Dear sir/madam I have an escrow account opened in XXXX for $ XXXX for rent security deposit of my tenant, XXXX XXXX. ( See W-9 provided to bank & all statement show XXXX XXXX XXXX as tenant ) He has vacated my property and I need to cancel the escrow account. I went into Branch on Saturday XX/XX/XXXX, I was told money is draining out of my account as fees. I asked how come Escrow account loose money, it should rather gain interest. I waited for call from branch no call came and went branch with letter. I was told that there was monthly fee being charged of XXXX per month and more than {$300.00} were gone. 
I have been to branch twice since then ; This account was incorrectly opened by the staff as checking account, even though I have asked for Escrow account & provided W-9. I had 4 similar Escrow accounts which were opened correctly as saving accounts by branch staff and I had no issues closing them after my tenants vacated got full money with interest. 
I am getting blamed for not reading monthly statements and visiting branch on time to get it fixed and coming after 5 years. 
Little background on this account, back in XX/XX/XXXX I accidently found money is draining from this escrow account, I went to branch they fixed by making it total XXXX however then also they didnt change to Saving escrow they left it as checking account. ( see XX/XX/XXXX statement attached ) I never thought Escrow account would drain my money out in fees. So never looked up the statements again since XX/XX/XXXX. When I went to close on XX/XX/XXXX I was shocked. 
Manager asked me of proof of Lease and lease renewals which I emailed, and I will forward to you too. 
When manager said he didnt get emails, I showed the lease and renewals in my phone too. Manager offered $ XXXX fee credit to me as if it was my mistake of opening an escrow as checking account. 
This I feel is lack of training and lack oversite on staff who are opening Escrow accounts as checking. I am not sure how many other escrow accounts are opened as checking accounts and fees being collected on them. 
So, I request to fix the issue and refund my escrow account money total of XXXX/- ASAP. 
I am coping this email to CFPB ( Consumer finance protection bureau ) to get this resolved and investigate how many other Escrow accounts are being charged with fees. 
Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have contacted Transunion several times to inform them that there is information from a company called XXXX XXXX on my consumer report that should NOT be visible on my report. I have NOT given them written consent to report them and Transunion is aware of this. This is aggravated identity theft.

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 2019-06-19
Company: HGREG.com
State: VI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
On XX/XX/2019 I contacted H Gregory XXXX XXXXXXXX XXXX  Hgreg.com XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX and inquired about purchasing a car from they company. On XX/XX/2019 I wire transfer {$8500.00} to there bank account at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I spoke with a XXXX XXXX XXXX in references to the car I would like stock XXXX. XXXX XXXX indicated it had an A/C problem and the car will be available that XXXX XXXXXX/XX/2019 and he recommended that I used a inspection company XXXX XXXX XXXX XXXX  to inspect the car before I ship to XXXX XXXX XXXX XXXX XXXX On XX/XX/2019 they company I hired to inspect the car call and stated they can not because the car was not available. I call XXXX XXXX to find out what the problem and he stated they have not received the car from there XXXX department and don't worry they could come back on XX/XX/2019 to inspect the car which they tried again and car was not available. I contact XXXX XXXX for my money to be wire back into my account and as of today date I have not received my {$8500.00}. 

I would like some kind of help to get my money wire back into my account. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO REPORTING FALSE ALLEGE DEBT ON MY CONSUMER REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS WHICH IS A DIRECT VIOLATION OF THE FCRA. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2023-09-28
Company: MOHELA
State: NE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
" Thank you for submitting your XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. You are not eligible yet, as you have not yet made the required XXXX qualifying payments necessary to be eligible for XXXX. To qualify for XXXX, you must make XXXX qualifying payments. In addition to making XXXX qualifying payments, you must also be working full-time for a qualifying employer at the time you apply for and receive forgiveness under XXXX. XXXX This is the email I received. I just consolidated my loans from XXXX XXXX Mohela and applied for XXXX. When I did this, I made copies of all of my payments ( more than XXXX ) to XXXX and re-applied for XXXX. I am also working full time at a qualifying employer. Once XXXX loans were consolidated to Mohela, it says I don't owe anything now because I am in a forbearance. I don't remember requesting this and I CAN NOT get ahold of anyone to discuss. The prompts on their phone line will not let you speak to an agent and do not answer the questions I have. I have tried calling, emailing and can not get service. I have waited on the phone for hours and tried the call back option but never receive a call back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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'm XXXX XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. The following accounts needs to be corrected now : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-09
Company: ENCORE CAPITAL GROUP INC.
State: WA
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:
XX/XX/XXXX. 
Midland credit management. 
Amount XXXX Have already paid XXXX XXXX XXXX  almost XXXX XXXX for a debt I didn't owe. 
My identity was stolen from me without my knowledge my XXXX XXXX  used all my personal information to do all these debts. At the time I was married to him I was a XXXX and was a XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX He took care of the financial matters. I didn't have a steady job. Inspite of reporting to the credit bureau XXXX XXXX and XXXX, I still am repeatedly harassed by getting letters in the mail that I owe all this debt .and phone calls asking to verify my personal information.my credit has been affecting me to even rent a place to live. I am a single mom trying to take care of my child with needs and can not hold a full time job because of XXXX XXXX XXXX XXXX XXXX

I barely pay my bills with my part time job XXXX hours a week. I have no family or any support. 

In XX/XX/XXXX. My identity was stolen by a scammer online pretending to be an XXXX customer service representative.stole my identity this was reported to the law enforcement agency in XXXX XXXX WA. 
The reference number for the police report is XXXX. 
And for the identity theft reference number is XXXX. 

Please help ASAP. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
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 XXXX Account XXXX has Violated My Rights Account Name XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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 2021-08-24
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: AmeriCollect
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I have sent a debt verification letter on XX/XX/2021 they received it on XX/XX/2021. Ithe company sent me a bill of XXXX instead of the information I ask for. They did not validate the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Chase bank closed my account XX/XX/XXXX, I was a customer with them since XXXX never once had a late payment. There was no reason to have closed my account. I did inquire why they said because my debit to ratio was too high. It was all in one day all my my credit card were closing. In XXXX was in the hospital for three weeks and I also never received a statement from them in XXXX. There was something wrong with my address all my mail was being foward some were. I did let chase know that I file a police report about that. I had to pay for a XXXX XXXX . I did ask them since I was never late before on any of my bills due to the circumstances of me being in the hospital can they wave my XXXX payment not being late and fix it with the credit bureaus. I also file. A dispute with the credit bureau many times as well. In XXXX I paid off the credit card. Chase told me XXXX cant get back the credit I will not be able to. I am one that max out my cards things always come up I am single mom but I make big lump some payments. Chase closed my card for no reason this ruin my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: Central Collection Corporation
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent a validation letter to the debt collector on XX/XX/2021. They received the letter onXX/XX/2021.The debt collector responded with send me a bill. Which did not verify my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: Dynamic Recovery Solutions, LLC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i received a phone under caller id XXXX collection and i called the number listed XXXX XXXX XXXX and certain dynamic solution looking for my name XXXX XXXX then i called XXXX credit XXXX XXXX XXXX XXXX and was told that there was someone fraudulently used their name as caller id and as far as im concern my credit is in good standing would like to report some fraudulent activities about the concern company using others caller id to scam

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Continuation of complaint # XXXX I've already contacted your office in regards to a complaint with Chase Bank. However, your not doing enough to resolve the issue. 

I'm on Social Security XXXX and I cant believe they treat XXXX people like this. Shame on them. 

I have proof of payment on a cashiers check that I got from my Dad and his wife. It took three weeks to get it since the XXXX XXXX XXXX is on a rolling provincial strike ( meaning this week this province and a different province next week. ) The quickest way for me to get proof of payment is this way but Chase has called me a liar that my dad doesn't live in XXXX. I had given Chase my pass port for second ID. It may say US passport but it also give original country of being XXXX. 

They also told XXXX XXXX that I gave them a fraudulent check and they even closed my account and wont release the less the {$6.00} in my account. 

I have included a copy of my Chase statement and there corporate office told me the funds have been in the account waiting to be picked up. Yet when I go into a branch they won't release the funds. They keep saying its a fraudulent check without proof. I have proof its not even if its emailed to me its still more proof than what they have. 

Since they arent releasing the funds. What is my next legal action? Court? I can do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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.

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 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 2021-08-24
Company: NAVY FEDERAL CREDIT UNION
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Navy federal credit union is reporting 3 closed accounts from 2013 on my credit report they continue to do so after disputes have been won in my favor. Please stop all reporting from Navy federal CU

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XX/XX/

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I pulled all three credit reports and I began disputing errors. I sent the first set of letters XX/XX/XXXX second XX/XX/ and third XX/XX/XXXX I also provided copies my drivers license and social security card as proof, that their reporting incorrect names, address, verification of accounts but not response to any of the letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: EQUIFAX, INC.
State: OR
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 have supplied a paid in full letter from XXXX XXXX to all 3 credit reporting companies, all 3 came back and reported I still have a XXXX balance and will not correct my reports.. They continue to report late payments for XXXX, XXXX, XXXX Even though I paid balance off on XX/XX/2023 as shown in XXXX XXXX letter..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: AMERICAN EXPRESS COMPANY
State: AZ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX, I went to my Credit union to pay off my car loan to obtain the title and attempted to use my Amex card. The credit union did not have the appropriate machine to swipe my American Express card and recommended a cash advance from Amex. While at the credit union, I called American Express for a cash advance. The Amex agent over the phone recommended I use my XXXX XXXX account to process a transaction to obtain the funds to pay my car off. The same day, I processed a transaction on XXXX XXXX for {$11000.00}. I was then able to use this money to pay off the car loan. Since then, American Express froze my account for several weeks for possible fraudulent activity. I am extremely offended after THEIR agent recommended this practice. I have had amazing and impeccable relationships with all my credit card companies. They also closed my account, reinstated and new one a decreased my credit line to an extremely low amount and forced my monthly payments to a higher dollar amount. I have asked the American Express company to pull the recording of the call to review THEIR employees guidance. Since then, I have not heard from anyone and received my new bill, with a new number and a past due amount! My credit has been excellent. I have an account closed by grantor and a new account that is now showing past due. I have tried to escalate this problem to management but my calls seem to be intercepted by call center agents and my complaint is still not handled appropriately and IGNORED. I have been in XXXX XXXX for over 23 years and would not tarnish my reputation over a senseless act. Please have American Express pull their recording, confirm their agent provided guidance to perform a XXXX  XXXX  transaction, return my line of my line of credit, and fix my credit bureau reporting.

Company response to consumer: Closed with non-monetary relief