BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am the Legal Guard to my brother XXXX XXXX XXXX of XXXX, AZ. I have been his legal guardian since XX/XX/XXXX. The Guardianship was set up in the Superior Court of Arizona. At that time, I opened a Guardianship Banking Account for my brother at Chase Manhattan Bank, also in Arizona.

I have managed my brothers affairs for 5.5 years without incident. My Guardianship is renewed annually by the Court. I am on Social Security Administration documentation as XXXX 's XXXX and financial point of contact. I live in XXXX, CA. 
XXXX received COVID payments in XXXX. In XX/XX/XXXX i moved part of his COVID money into a savings account with the assistance of a Chase rep in XXXX, CA. The amount was only {$1600.00}. 
On XX/XX/XXXX ( see attached docs ), Chase placed a HOLD on the account and it has been on HOLD ever since. No formal explanation provided. 
I've visited the Bank several times ( see attached doc showing appointments ) and no one seems to understand why there is a HOLD. Even the local Bank Manager can not figure it out or get someone on the phone to explain. Some " shadow department '' keeps asking for documents i have previously supplied ( Court Orders, etc. ). ' I have requested, in writing, for Chase to outline the problem is so it could be addressed. There has been NO RESPONSE. The money is for my XXXX  XXXX brother 's full time care and should there be an emergency, I can not access it. I am furious at Chase holding the $ $ of a XXXX  XXXX person and not providing a clear explanation to me as Guardian. I'm worried they'll make me get a lawyer to release the small amount of $ $ and legal fees could actually eat it all! I am a competent, educated person and this has me furious and flummoxed. I can't imagine how some, were they XXXX or XXXX, would be expected to navigate this morass of incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XXXX. On XX/XX/22 theres a {$310.00} unauthorized charge without a merchant name. When I call I am just left on hold. I can not tell if there was a credit because Wells Fargo refuses to allow me search for numbers on online banking. 
XXXX. Also wellsfargo illegally stole money out of my safe box when it was paid. 
This is never addressed by Wells Fargo.

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 2023-03-31
Company: Self Financial Inc.
State: TX
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:
On XX/XX/XXXX I filed XXXX XXXX bankruptcy. At that time I was issued an automatic stay by the bankruptcy court. on XX/XX/XXXX Self, INC closed my credit card with them. However on XX/XX/XXXX Self, INC added {$2.00} in interest to the balance. I spoke with a representative via phone on XX/XX/XXXX regarding this as was told that they had recieved the bankruptcy notice and the account would be updated accordingly. Then on XX/XX/XXXX the company added {$15.00} in late fees to the account. I sent noticed via there chat messaging feature as was given case # XXXX and recieved the email stating that they still have to report my payment history to the credit bureaus and as referred back to my bankruptcy attorney. I have told Self, INC that I filed pro se and this account falls under the automatic stay of the chapter XXXX. I Then was charged another {$15.00} on XX/XX/XXXX. The XXXX XXXX was discharged including Self, INC on XX/XX/XXXX, yet Self inc is still charging lates fees and have NOT properly zeroed out this account per the XXXX XXXX. On XX/XX/XXXX I recieved basically a dupiclate email ( case # XXXX ) from the exact same rep stating the exact same thing. Both emails are attached below.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-14
Company: WELLS FARGO & COMPANY
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This agency is in violation of 15 USC 1692g. They were to have notified me of this in writing 5 days ago, but XXXX years prior, I wasn't notified. As the original creditor, only validate this debt. I do not validate this debt ; therefore, the following accounts must be deleted from my report immediately. 
List of accounts to be deleted. 
Wells Fargo XXXX # XXXX ( XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX, Date open XX/XX/XXXX, original charge-off : {$5600.00} Charge- off WELL FARGO CARD SERVICE # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX, IA XXXX ( 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 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 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct and update the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-09-26
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: Account status incorrect

Complaint:
XXXX  XXXX XXXX ( Total Credit ) VISA I applied for this card Not sure of date After having the card awhile I was " Offered '' to receive a XXXX XXXX  card.. I filled out the form and a new card... NOT another card a new card came in mail. Balance was same. Because to start a New card You had to pay up front {$89.00}. the website is XXXX which You can see what is offered. The card has no amenities, ,NO chip, can only pay one way cant rent!! minimum {$300.00} and they charge {$8.00} plus interest every month. with a balance or not forever!!! As my credit got better Offers came in and I wanted to close the card eventually. 
What they did issued the new card and did not close the other.. as I paid the bill, I was informed after 60 days.. I was late!! I did not pay my other card. After them acknowledging the ERROR.. the information returned on my report and Ive Disputed it several times. I am holding these people accountable to this. I will go further with the complaint.

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 2021-09-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I XXXX XXXX, entered into a consumer credit transaction with Bank Of America on XX/XX/06. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. Bank Of America, outside of the finance charge, charged me monthly/incremental payments, as well as late fees for the monthly/incremental payments, which clearly violates 15 usc 1605. Furthermore, Bank Of America never clearly disclosed to me their violations, which itself is a violation pursuant to 15 usc 1611.

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 2023-11-21
Company: Early Warning Services, LLC
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/XXXX, I made a dispute with the Early Warnig company where he kindly demanded that certain information be reviewed in my credit report, which was outdated, incomplete and even without information. 

I requested that this information be disputed with the corresponding companies so that it could be modified, corrected or removed from my report. Unfortunately, as the weeks went by, these companies reported that the information was correct and accurate. On XX/XX/XXXX, I made the dispute again detailing the information that is wrong and even the outdated or incomplete information of my report, so that it was again corrected, or removed from my report. 

On XX/XX/XXXX, I received an email notifying me that my dispute is frivolous and that I can not dispute this information because it is correct, where in the tests you can see that it is completely incorrect, but in a very unpleasant way, the agent who attended me informed me that they can not do anything that they do not have the obligation to report anything again or remove any information, where they are violating the FCRA laws that requires that all the information they present in my report must be correct and accurate or Otherwise, this information should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26
Company: I.C. System, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Placed for collection XX/XX/2020 and this company is reporting inaccurate information on my credit report saying that i owe {$700.00} wihich i havent even did ant business with this company.

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 2022-02-02
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
CONSUMER FINACIAL PROTECTION BUREAU URGENT. 

SUBJECT : STOP HSBC UNAUTHIRAZED TRANSFER MY BANK ACCOUNT TO XXXXXXXX XXXX HSBC Bank have agreement with XXXX XXXX  transaction and transfer my all accounts, direct SS deposit account, saving account ( XXXX ) checking. ( XXXX ) Creditcard ( XXXX ) final transfer on date XXXX. 
I did not have knowledge about until HSBC letter I received on XXXX XX/XX/2022, But Hsbc letter was dated XXXX XXXX .HSBC letter which I received on few days before transfer account XX/XX/XXXX. XXXX. 

HSBC did not inform before the agreement and I have not received any information regarding my Bank account transfer from HSBC and XXXX Bank. 
I can not witdrow or transfer-wired to other Banks on line internet banking. I have Hsbc Security device is block-disable. 
Du to PANDEM I can not travel.I need money to daily expenses. 

Hsbc still in business in USA and not close for business.But they sell my Privacy, name and my bank account to XXXXXXXX XXXX without my Permission and knowledge. 

BY law HSBC responsibility consumer banking stransactions with my SS direct deposit, saving, checking, debit and credit card accounts safe and secure in HSBC Bank. 
by law HSBC without knowledge transfer and unauthorized to sell my bank account to illegal business transactions with unethical bussiness profit. 
Stop my Bank account unauthorized and illegal transfer to XXXXXXXX XXXX. 

Sincerely. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Experian Information Solutions Inc.
State: NV
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 regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : XXXX XXXX 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 2023-09-29
Company: Kikoff Inc.
State: UT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
KICK OFF LENDING IS FRAUD BOT GENERATED COMPANY WITH NO PHONE, FAKE ADDRESSES ( ALOT ) NO HUMANS T FIX PROBLEMS, THIS ACCOUNT HAS BEEN CLOSED DUE TO A FRAUDULENT COMPANY SUCH AS KICK OFF LENDING DOING BOT GENERATED " COMPANY '' AND NEVER REPLYING TO THEIR " CUSTOMERS '' NOR DOING ANYTHING TO HELP THEM EXCEPT TO REPORT IMPROPER INFORMATION TO 3 CREDIT REPORTING AGENCIES. XXXX XXXX XXXXXXXX ANOTHER OVER SEA 'S IN AND OUT COMPANY THAT DOES ABSOLUTELY NOTHING... ..CHECK THE REVIEWS .... FED. BUREAU IS NEXT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Wells Fargo is playing a game with serious negligent, unlawful procedures relating to my dispute. I submitted a complaint first directly to them 1st week XXXX, then with CFPB XX/XX/21. It is now XX/XX/21. Complaint number XXXX. Can CFPB look deeper into complaint re : banking regulations offenses? Wells Fargo has a history of disregarding the law and consumer abuse and it continues today despite Congressional Investigations and condemnation.

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 2019-10-08
Company: HCFS Healthcare Financial Services of TeamHealth
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 received a call from a local number : ( XXXX ) XXXX. They identified themselves as a debt collector called " hrrgcollection.com '' and asked if I was XXXX XXXX. I said yes I was. They then asked for me to verify my date of birth. I asked what this was about and the caller stated before proceeding they must verify my date of birth. I told the caller I could not provide PII as I had no way of verifying if the call was legitimate. Furthermore I had just checked my credit report the week before and had nothing in my report about any outstanding bill, nor was I aware of anything that may be outstanding as I keep track of all my bills that I receive. 

At that point the caller said he would record that I " refused to identify myself '' and hung up. However this is incorrect. I had identified myself as XXXX XXXX. When I called back to see if this was a scam or legit. I spoke to another representative and explained to them that I was very dissatisfied with how this first call was handled and that I can't just give out my DOB unless I know who is on the other end of the call and have high confidence that they are legit. She was willing to take my verification of my home address instead of my DOB. And I was OK with giving her that information since my name and address is a public record. 

I did express to the second representative how unhappy I was with how the initial call was handled. However she did not offer an apology. When I spoke to her supervisor to complain he argued with me for several minutes and I asked him why it was that they handled the initial call in the way they did. I asked why they didn't apologize for that. He offered the apology ( after I asked for one ) and when I said it really isn't right that I have to ask for it, he said " well we're a collection agency ''. 

I did tell him that I need to first verify with my insurance company before I can give out any financial information to settle the account he was referring to as I had already paid the balance of my hospital visit in full and was not informed that there was still a {$36.00} balance remaining. And second that this was a legit collection. 

My complain is two-fold : first it was inappropriate for the first caller to say that I " refused to identify myself '' as I did do so. Second it was inappropriate to not offer the second verification question as an option, my home address, which the second representative did do when I called back. Third it is this attitude that this collection agency and they can simply treat whomever they call any way they wish. We do not have any obligation to provide them with PII upon request without knowing who they are or if they are legit. Anyone can call me and say they are collecting a bill.

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 2023-05-23
Company: Experian Information Solutions Inc.
State: LA
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 really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-05-15
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A billing error first occurred on my Dillards/Wells Fargo Credit Card statement in XXXX of 2022. I placed numerous calls to Wells Fargo explaining in detail the error and was assured they would investigate and correct the mistake. After SIX MONTHS, still NOTHING has happened. I continue to receive incorrect bills with growing interest charges and fees- my bill is now {$140.00}! 

The details : in XXXX, 2022, the XXXX XXXX  accidentally charged my Dillards card for a subscription in the amount of {$27.00}. Subsequently, they issued a credit in that amount but Wells Fargo continued to charge me the original amount PLUS the erroneous interest/penalty fees. I have not used the card at all or shopped at Dillards since this problem occurred and I will not until it is fixed. They failed to contact the XXXX  and do the research promised, so I contacted the XXXX XXXX  myself and asked for a written confirmation that there are NO CHARGES due. I also asked them to report their error to the credit reporting agencies who have received negative information that may affect my borrowing ability in the future. 

I am extremely frustrated and have now sent a letter to Wells Fargo with my XXXX  receipts and am awaiting resolution.

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 2019-05-24
Company: Capio Partners, LLC
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:
FCRA violation maybe FTC not sure at this point showing informaton not know to me to the best of my knowlege

Company response to consumer: Closed with non-monetary relief