BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-23
Company: NATIONSTAR MORTGAGE LLC
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The reason for me filing this complaint is due to Nationstar Mortgage foreclosing on my property while I am undergoing a loan modification. Also the information they are requesting is unnecessary and was never requested when I was undergoing a loan modification with XXXX XXXX XXXX not until my account was sold and/or transfer to Nationstar Mortgage in the process of modifying my loan. I should n't have to write any letter of my living arrangement to qualify for a loan modification or supply any mortgage statement on property I am not seeking to modified. This information they are requesting is for personal use only and nothing else.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX were reflected as late payments on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

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 2023-02-09
Company: JPMORGAN CHASE & CO.
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
Hi, I am a XXXX resident. I sent a check of worth {$1500.00} USD from my XXXX XXXX account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX to my cousin who lives in XXXX XXXX California on 2023 XX/XX/XXXX. He is a new immigrant in XXXX and opened his account in Chase Bank, XXXX XXXX, California. He received my check via post and deposited the Check to Chase bank using his online banking app on 2023 XX/XX/XXXX. But he did not get money in his account and he visited Chase bank at XXXX XXXX and raised his concern on 2023 XX/XX/XXXX. They told him that we want to verify the check sender. My cousin provided them my phone number and then they said our online security system is not able to verify his XXXX phone number so we are not able to call him. 
He also called on their customer service number but they said the same thing that our system isn't able to verify his phone number. They only want to talk with me via their security system. Chase bank said check sender should contact his bank and his bank should request us to send his money bank into his account. I contacted my bank XXXX and they we have released the money {$1500.00} to Chase bank. They said why we should request them to send it back. It is a matter between Chase and his customer ( my cousin ). XXXX sent me a proof on payment released to the Chase bank. 
On 2023 XX/XX/XXXX, my cousin received a letter from Chase bank that your account will be closed to protect you against the fraud. And they closed his account after few days. 

I again requested XXXX to talk with Chase bank, XXXX rep contacted them on a conference call with me and my cousin to resolve the issue but Chase bank 's rep denied to talk and said we only talk with our customers. But when my cousin ( their customer ) call them they said we can't verify your cousin 's XXXX number and can't release the money. 

I just want my money back from the Chase bank that they did not release it to my cousin in XXXX XXXX. I send a message to Chase on their XXXX account and ask for my money everyday. But they don't provide me a satisfactory answer. It seems like a scam and they don't want to give my money back. My cousin is also trying on his end, but not getting any help. Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30
Company: EQUIFAX, INC.
State: MO
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 received my credit report from Equifax and I disputed my personal information. Therare inaccuracies with my personal name and address. I also submitted copies of my driver 's license, social security card and utility bill as proof of residence. 
My legal name is XXXX XXXX XXXX and Equifax is reporting my name inaccurate as XXXX XXXX XXXX as a former name and my middle name doesn't change no matter my status. 
I also believe the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX, MO. XXXX Belong to someone with a similar name but are inaccurate on my credit report. My address for years have been XXXX XXXX XXXX, XXXX XXXX, Mo. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I was denied a personal loan and creditcard with both saying that they could not identify me.I checked my credit report to find multiple mistakes.1.my name not spelled correctly.2 My date of birth was wrong.3.Physical address was wrong. the spelling of my first name was wrong.I sent all three bureaus a letter asking them to delete all incorrect information and remove these pulls from my credit report.I sent all three letters certified mail.

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 2023-07-31
Company: Waypoint Resource Group, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a bill from a debt collector in regards to {$150.00} owed to XXXX XXXX. 
This is not my debt. I disputed the debt with the debt collector directly on XX/XX/XXXX and opened a dispute with XXXX on XX/XX/XXXX. 

I have not heard back from the debt collector but I spoke with an XXXX representative who told me that all they can do is verify information but if I believed the account was fraudulent to then file a fraud report here. 
I also contacted XXXX directly who has filed a fraud report. I am in touch with their Fraud Prevention Team as well now. 

I have never been an account holder with XXXX and have never received a bill from them directly. XXXX is my current wireless provider and the account I am under currently I have been with since XXXX. That account has no outstanding balance and the latest bill has been paid in full. Again I am not the account holder anyway and have never been. So I believe my information was used to open the account listed on the bill sent to me by the debt collector and is fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: EQUIFAX, INC.
State: CT
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 submitted CFPB Complaint # XXXX on XX/XX/XXXX regarding an illegally re-aged account XXXX XXXX XXXX XXXX on my credit report. So far, I have received an update from both XXXX and Equifax regarding their false and inaccurate reporting. Equifax claims that the creditor has confirmed that the false " date of first delinquency '' date that they are reporting is " correct ''. XXXX has " updated '' the information on the same account with a different " date of first delinquency ''. How is it possible for the 2 credit bureaus to investigate the same account and both get dramatically different results? 

Equifax XXXX XXXX XXXX  " date of first delinquency '' XX/XX/XXXX XXXX XXXX XXXX " date of first delinquency '' XX/XX/XXXX This shows that neither Equifax or XXXX  actually investigated anything and are willfully violating my rights under the FCRA by reporting inaccurate damaging information and have been ruining my creditworthiness in the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: EQUIFAX, INC.
State: LA
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:
I opened an XXXX XXXX account card two months ago yet all three credit reporting companies are showing it opened as XX/XX/XXXX, for starters! In addition, it shows that I have a balance of {$620.00} for over a month, ANOTHER LIE!!! I have had a balance of {$2.00} for over a month and paid that off on XX/XX/2021!! I have told XXXX XXXX on four different occasions to 4 different people that I want to CANCEL MY CARD!! I hate XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Experian Information Solutions Inc.
State: FL
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 belongs to someone else

Complaint:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the ftc.

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 2022-06-17
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 some body called XXXX XXXX swapped my phone XXXX card and stole all my money from my Citi bank accounts. The bank declined the claim saying I did not safeguard my money.

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 2023-07-31
Company: EQUIFAX, 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:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Accounts that are being challenged XXXX - XXXX XXXX  - XXXX XXXX XXXX  - XXXX XXXX - XXXX XXXX  - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-17
Company: EQUIFAX, 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:
XX/XX/XXXX - i disputed the info with the credit bureau and creditor XX/XX/XXXX - i disputed the info with the credit bureau and creditor XX/XX/XXXX - i disputed the info with the credit bureau and creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In XXXX I opened a save deposit box with an amout of {$1500.00}, during the following years I continue to visit to the Deposit box making cash deposits for saving purpose. Never did i withdraw any funds from this box. My last deposit was about 3 years in the total of {$5000.00} giving the total balance in my deposit box of {$30000.00}. 
On XX/XX/XXXX I visit my regular bank were my deposit box was located and found the bank was closed with no notification. I contact Bank of America customer service XXXX line to find out how I could track where abouts of my deposit box. They explained to me that I would have to go to a branch in XXXX to get assitance. 
I finally was abe to make it to the branch being with out transportation. When I arrived, I was told they had to request for my deposit box which was in another state. They also gave me a notery and a notice showing me that they had broke my lock and open my Save deposit box with out my permission. 
After waiting a over a month. I received a call informing me they had received my missing items from my deposit box. 
When I returned to the branch to retrieve my items, all they gave me was 3 small envelopes and onXXXX large envelope with nothing in it, and they charged me a fee for this service which I don't understand why and was not explained to me, but i did see the fee on my bank statement. 
This has affected me, I have been depressed, stessed, and unable to sleep worried to what happen to my hard earn money. Worried about how a bank could let this happened. Me being my age I can't afford to start all over again. My husband is terminal ill and its difficult to financially support him and myself with only one income. 
think they did this because I am not able to properly read or communicated it english. 
Please help 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 monetary relief
Consumer complaint received 2021-04-19
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Hello, I signed up for an apple card in late XXXX ( XXXX ) using a promotional link to receive {$50.00} in Daily Cash when you spent {$50.00} at XXXX XXXX gas stations with Apple Pay within the first 30 days of being a new cardholder. This is my first apple card as I have never had one before. I made 2 charges at XXXX XXXX pumps using Apple Pay with the XXXX app totaling {$87.00} in the month of XXXX, clearly within the stated time frame to receive the promotional reward. The transactions are even marked as " Promo Daily Cash '' on my XXXX statement. All I got was 3 % cashback for the transactions. Here is the pertinent info taken directly from my XXXX statement regarding this issue : XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA USA 2 % {$0.00} {$37.00} Promo Daily Cash 1 % {$0.00} XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX 2 % {$0.00} {$49.00} Promo Daily Cash 1 % {$0.00} Total Daily Cash this month {$2.00} Total charges, credits and returns {$87.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2021 Bank of America XXXX XXXX XXXX XXXX XXXX, Texas XXXX Last 4 digits of ssn : XXXX To whom it may concern, Im writing this letter to dispute the following account : Account number ending in XXXX Balance : {$2400.00} I, XXXX XXXX has received proof from Bank of America that they have certified to XXXX that the following account ending XXXX is accurate and factual. According to 15 USC 1681a ( e ) investigation, it is clearly stated that such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Also pursuant to 15 USC 1681a ( 2 ) ( B ), any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a " credit card '' or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which states The term " CREDIT CARD '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. '' Notice, Congress said " ANY '' card. The credit card is my social security card. This is the credit card is used to originate every consumer credit transaction below. This should be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I feel like my Im being taken advantage of and being ignored of my disputes. I am demanding that you remove this transaction from my credit report immediately as this is a violation of my rights as a federally protected consumer under title 15 chapter 41 or I will file for litigation due to the stress you have caused 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 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX XXXX XXXX XXXX XXXX  i did not apply for this 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
Consumer complaint received 2023-01-04
Company: EQUIFAX, INC.
State: OH
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 U S DEPT of ED/XXXX Account XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : 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 2021-10-11
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
I have inaccurate information in my credit report. 

XXXX XXXX XX/XX/2015 {$700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
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:
XXXX Ad XXXX of XXXX Description 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 XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : 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 XXXXXXXX XXXX. 
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 2023-04-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Capital One closed my account without notice. I have had the account for 20+ years with a perfect payment record. I found out it was closed when I tried to use my card. I called several times and nobody would say why the card was closed. All they would say is a letter will be sent. I finally received a letter some 25 days after the account was closed. The only thing the letter said was important information was missing from my account. So it took them 20 years to discover some information is missing. I have the same email, phone, and address for the past XXXX years. They claimed they tried to contact me. I checked my Capital one account online and there were no messages. I have all my mail scanned and there were no letters, I checked my email and there was nothing. I called again several times after the letter and again nobody would answer what this mysterious missing information was.

Company response to consumer: Closed with explanation