BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a complaint regarding your ATM machine located at  XXXX   XXXX   XXXX   XXXX  floor at  XXXX    XXXX    XXXX   XXXX ,  XXXX , NY  XXXX .     I was at this location on  XXXX   XXXX ,  2017 , I tried to retrieve some cash from this Chase ATM at this location. Instead of giving me the cash I requested, this ATM machine got stuck, it swallowed my card inside of this machine, I was not able to get it out. I asked mall security guide for help, but security staff said it is  Chase 's problem, and I am the SIXTH CUSTOMER OF that day experienced this RIDICULOUS issue. They suggested me to wait 15-20 minutes to wait for this sta ggered machine to return the card to me.     I had an hair and massage appointment, thus I tried to cal l Chase customer service, but I was not able to get through to talk to any live person helpful to this situation. Thus I had to wait at mall for 20 minutes, missed my hair a nd massage appointment to get my debit card back.     I complained to m all manager about this horrible experience, the mall manager t old me that this is not the mall 's problem. It is Chase provided bad ATM machine, they had NEVER SEEN any bank ATM machine swallowed up customer 's ATM card and causing customers EXCESSIVE AMOUTN OF TIME to wait. None of the customers on that day received any cash from the machine, they indicated this issue had been going on for a while , and Chase  failed to check into this regardless multiple customers experience hassle and difficulties.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07
Company: Resurgent Capital Services L.P.
State: SD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
These guys need a legitimate investigation not just asking them. Look at the reviews countless people who had balances of {$600.00} which were jacked up over {$2000.00} after this company purchased their debt. my account personal went from {$600.00} to {$850.00}. i reported them to you guys, included account details, then it went up even further now its {$950.00}. account has been closed for over 3 years. they've repackaged and sold debts that were paid and represent those debts as unpaid to purchasing parties. please investigate these guys. they call themselves lvnv but also seem to take payments as resurgent capital services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My debit card was hacked and used in two different cities on the same day multiple times ... ... ..9 times in XXXX , Pa. without my knowledge, starting XX/XX/XXXX, until XX/XX/XXXX, when I discovered it ... .I was very XXXX  in XXXX through the beginning of XXXX and did not notice the withdrawals. the withdrawals in XXXX were all odd number withdrawals, which I never do. I spent some time in the branch office of Citizens Bank to try to resolve this, and the folks there were helpful and agreed that fraud was indeed noticeable. The following dates and amounts were from XXXX, Pa., and the same day use is next in XXXX, Pa ... ... ... ... ... ... ... ... .. 

XX/XX/XXXX ... ... XXXX XX/XX/XXXX ... ... XXXX XXXX XXXX Pa XXXX 
XX/XX/XXXX ... ... XXXX XX/XX/XXXX ... ... XXXX XXXX, Pa XXXX 
XX/XX/XXXX ... ... XXXX XX/XX/XXXX ... ... XXXX XXXX XXXX Pa XXXX 
XXXX ... ... ... XXXX none XX/XX/XXXX ... ... XXXX XX/XX/XXXX ... XXXX XXXX XXXX, Pa. 
XX/XX/XXXX ... ... XXXX XX/XX/XXXX ... XXXX XXXX, Pa. 
XX/XX/XXXX XXXX XXXX, Pa. 
XX/XX/XXXX ... XXXX XXXX XXXX Pa XXXX 
XX/XX/XXXX ... ... XXXX missing that page of statement XX/XX/XXXX ... ... XXXX XX/XX/XXXX ... XXXX XXXX XXXX XXXX Pa XXXX 
XX/XX/XXXX ... ... XXXX XX/XX/XXXX .... XXXX XXXX, Pa. 
XX/XX/XXXX ... XXXX XXXX XXXX Pa XXXX 

The XXXX amounts include a {$3.00} service fee added for foreign ATM. 
All of my withdrawals from ATMs are in equal amounts ... 

I received two letters from Citizens Bank denying that fraud occurred, because the bank employee at the branch that I went to broke it up into two different claims for some reason unknown to me. 
It seems quite obvious that another person had my information to me..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with fraud alerts or security freezes

Complaint:
There is fraud in my Bank of America account. Two accounts on two separate instances were opened by someone that isnt me. BofA closed the accounts but will not do anything to prevent this. The only reason I noticed was because either a ) I noticed a strange account in my banking app or b ) I got a weird email about a new account being opened. 

Ive asked for them to not allow any accounts to be opened by me and no accounts to be opened by me unless in person. They wont do either. Im concerned they arent doing enough to protect my identity Heres the chain of events so far : XX/XX/23 : Noticed additional checking account in BofA ending in XXXX XX/XX/23 : Contacted BofA XXXX they had indicated that the account was opened fraudulently with my SSN. They closed the account and created a report : XXXX XX/XX/23 : Froze credit with all three bureaus as well as XXXX XX/XX/23 : Filed a police report with XXXX XXXX XXXXXXXX XX/XX/23 : Received an email from BofA indicating new account had been opened. Called and they said that no additional accounts existed XX/XX/23 : Noticed a new account had been opened in my banking app. Called again. They closed the account and created a new report : XXXX. I emailed the officer on the police report

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 2022-12-07
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently found that there are several inaccurate items on my credit report that do not belong to me. I do not have a record doing business with these companies. If these items are not deleted off my credit report immediately, I will be forced to contact a consumer rights XXXX XXXX  and XXXX  on the basis of defamation of character and denial of credit. I have documented all correspondences with The Credit Reporting Agencies XXXX XXXX, Experian, XXXX ). Please remove these inaccurate accounts, as you know they are in violation of the Fair Credit Reporting ACT Section 609 ( B ), FDCPA Section 807 Violation of False and misleading representation. Thank You.

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: BARCLAYS BANK DELAWARE
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter via verified mail requesting that within 30 days I receive verification of my account with an original consumer contract containing my signature. In response I received bank statements.

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 2022-12-07
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
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:
Hello I have reached out to you all about a car on my credit that is not mine. XXXX and Transunion said that this account is mine but that is not true. I saw on the billboard in my building where this attorney guy is saying he can help me with this but advised my to reach out one last time. Im trying to help my family and this has been holding me back. They need to show me where this is mine and I will take it to the next level because at the end of the day I know it is not mine. The car people name is XXXX XXXX XXXX. I have reached out to the FTC and my local police and Im doing this on my own behalf. Please remove that account off my 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 explanation
Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I submitted a letter to the XXXX Credit Bureaus to delete these unverified items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-26
Company: Maximus Education, LLC dba Aidvantage
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I received a bill from aidvantage for {$1900.00}. They claim I owe a late fee when I have never had any dealings with this company ever and there is a federal student loan payment pause. The total amount is also incorrect. I attempted to call and speak to someone but could not get in touch with a representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Convergent Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Is now over one year, and when I believed the case was closed here we go again another request yet from another collection Agency. 

This is now the fourth agency sending this for collection and every single time my XXXX score is affected currently my XXXX score went down to XXXX down from XXXX. 

This fourth request comes from Convergent Outsourcing Inc . I have very politely explained to them ( XXXX XX/XX/2022 ), as done with the other collectors, that XXXX engages in the practice of overcharging its customers. In my case instead of billing me for 7 days they billed for 30 days. 
so it is so clear that despite the efforts of the CFPB these type of establishments ( Debt Collectors ) continue to engage in unfair, deceptive acts and practice. They state on their letter that they have verified the validity of the claim and that is false. I refuse to pay more that owed. You can see the type of damages they can cause to the consumer. Look at my XXXX score from XXXX to XXXX. I hope a stop can be put to these entities from acting without any regards to the damages their actions can cause the consumer.

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 2022-12-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've contacted XXXX XXXX XXXX & they told me I've never missed a payment, yet XXXX and Equifax refuse to update me from being listed as late on this account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do XXXX and Equifax jobs for them to shield my credit & prove my identity, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I've sent documentation of the concerned months in question prior and they STILL refused to update this damaging negatives from my profile. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
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: Information belongs to someone else

Complaint:
I submitted a letter to the XXXX Credit Bureaus to delete these unverified items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
All documents will be attached. To summarize : I received replicated Chase " alerts '' from criminals inquiring about various charges, which I did not make. I responded " no, '' whereupon fraudsters texted back ( all nearly precise replications of Chase alerts received in the past ) that " a Chase rep '' would call shortly. Fraudster stating he represented Chase and would work with me to reverse the bogus charges, but instead created a " wire template '' and made XXXX wires out-of-state, liquidating my checking account of {$110000.00}. - cash being accumulated in connection with upcoming daughter 's wedding and my mother 's funeral ( my mother, as expected passed away a few days later - see death notice ). After the call was concluded, I immediately noted the fraud and my wife and I rushed to the Chase XXXX XXXX branch XXXX. ALL XXXX WIRES WERE MARKED " PENDING. '' XXXX registered fraud complaint and froze account. Wires were marked pending on my Chase App through that night. We were then informed a day later that the wires were claimed. On XXXX XX/XX/16, in the presence of my wife and me, the manager, XXXX XXXX XXXX, was informed buy the fraud department that our funds would be returned to our account within 2 days. Instead, 2 days later, we received a defamatory letter ( attached ) stating that we either " benefitted from this fraud, '' or " authorized it. '' Furthermore, a Chase representative suggested that I had an interest in the XXXX accounts to which the funds were wired ( I have never in my life had any account with XXXX ). We remain in limbo. These funds are essential and have been saved for my daughter 's wedding. I would like to note that I am a XXXXregulated employee at my place of employment AND a Chase private client. Aside from Chase 's failure to make me whole, the treatment and the inability to reach anyone of substance to deal with my case other than the branch manager is wholly unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: ALLY FINANCIAL 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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It a so states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat ~ payment on a credit card account under an open end consumer credit plan as late for purpose.

301

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 2022-12-07
Company: Experian Information Solutions Inc.
State: MN
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 am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. The accounts below need to be corrected : 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