BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received a promo from CapitalOne to get {$400.00} bonus to open a new checking account. on XX/XX/XXXX I opened a new checking account and then met all requirements ( make two direct deposits {$500.00} each ) to receive the bonus. Three months later, CapitalOne just closed my account without any notice. Instead of giving me {$400.00} bonus after I met all the requirements, they just simply close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts : XXXX  XXXX XXXX Balance : {$720.00} XXXX  XXXX Balance : {$130.00} XXXX XXXX  XXXX Balance : {$320.00} XXXX  XXXX Balance : {$5400.00} XXXX  XXXX XXXX Balance : {$360.00} XXXX XXXX XXXX XXXX Balance : {$0.00} The aforementioned accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit 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 explanation
Consumer complaint received 2023-03-06
Company: Experian Information Solutions 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:
in accordance with the fair credit reporting act XXXX account # XXXX with XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 a. states i have a 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 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 2021-05-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
I receive my weekly PU assistance for {$200.00} via Bank of America Debit Card ending XXXX On XX/XX/XXXX My available fund coming from Unemployment was {$480.00} was stolen by suspicious activity or fraud as the Bank told me and the was all stolen. 

I requested investigation by Bank of America Fraud department XXXX XXXX XXXX on XX/XX/XXXX. 

The Bank did not investigate truly, who did accessed my account through the ATM of XXXX XXXX Bank in XXXX XXXX, NJ. 
I have never given my card or ATM password for any person. It is always in my wallet and the password in my memory. The Bank and myself are the only people who know the account Number and Pass word. 

The Bank investigation resulted by informing me that they have reviewed my case and complaint and decided to close the complaint without any justification for their decision. 

The Bank of America refused to refund me with the stolen {$480.00} and every time I call them they put me on hold for a very long time refusing to answer my questions about who took my money, on the opposite they blocked my card account and sent me another 2 debit card, which they blocked the second one and activated the third last one, but still they play gimmick and drama not to answer my question and they do not return my money. I need your help please to investigate them and get me my money I receive for being unemployed senior citizen with 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 monetary relief
Consumer complaint received 2020-07-29
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Experian and XXXX  credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.

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 2023-05-28
Company: CITIBANK, N.A.
State: CA
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:
In early XXXX I noticed my credit balance on three of four accounts was unusually high. I called my cc company to dispute. So, I started borrowing on other accounts and credit cards I have to try to pay it off. Later on, I noticed another XXXX account in my online profile that was not mine or a auth user. I looked at my transactions and this person had made several payments on my account that were eventually returned to the balance of my accounts. Also, balance transfers were made by this account holder which made my account balances even higher. I then called the company and asked them to return all of the money I paid from borrowing from other accounts and credit cards.

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 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX XXXX, and I appreciate you taking the time to repair and update some accounts from my credit report ; however, there are still accounts that needed to be corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are fixed. 
XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance {$1000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$680.00} ; XXXX XXXX Balance : {$0.00}

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 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
This is my 9th attempt to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2021 XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX Balance : {$1900.00}

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 2023-05-28
Company: Mr. Cooper Group Inc.
State: NY
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: Investigation took more than 30 days

Complaint:
my current mortgage servicer Nation Star DBA Mr Cooper, reported misinformation on my credit report. they reported on my credit report that i was XXXX  days late on my mortgage payments, while they fail to accurately specify which month i was late. Ive spoken with them on the phone adnauseam, even tried to fix the issue with their dispute department to no avail. 
Nation Star have ruined my credit score, making impossible to me to acquire a mortgage at this time or get credit. any resolution in this matter would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: Zions Debt Holdings
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX, I purchased a security system from XXXX XXXX. After six months of having the system, I called to let them know I wasn't satisfied with the system. She told me that she would let her supervisor know and they would send someone to get their equipment. They stopped monitoring my home but nobody ever came to get the equipment. In XXXX, XXXX XXXX XXXX contacted me repeatedly about paying them {$4100.00}, I asked for a debt validation letter but I was never sent one. I contacted an attorney and XXXX XXXX stopped calling and the collection was removed from my credit profile. In XX/XX/XXXX, I was contacted by Zion Debt Holdings contacted me about the same debt via text message stating that if I were to pay them {$1200.00}, the collection would be removed from my credit profile. I have done business with this company, purchased anything from this company or had any dealings whatsoever with this company. This company should stop reporting false collections on my credit profile. If XXXX stopped monitoring my home, how could I have a debt with XXXX more than the equipment and six months of monitoring? If it's in collections, how can I be late for monthly payments

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: VIAMERICAS CORPORATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I have initiated the transfer of USD 2000 to my XXXX account XXXX on XXXX using vianexfast remit service ( https : //www.vianexfastremit.com ). They promised me to deliver the money on XXXX. But I have not received the money yet. I called customer support number XXXX, They re-initiated the transaction and told me that the money will be transferred to my account in 24 hours. But still i have not received the amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-28
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I open a Citi Basic Checking account on XX/XX/XXXX, and deposit {$25.00} as init fund. Then I deposit {$10000.00} to finish their new account opening bonus. The XXXX transfer is success from my XXXX  XXXX XXXX side. However, a few days later, I could not access my online Citi account. Later on XX/XX/XXXX, I got a email from Citi bank and they closed my account and they will send the funds to me by check in 60 days. Until today XX/XX/XXXX, I still don't receive any of funds back.This is totally unreasonable to me : 1. I legally transfer {$10000.00} to finish their account opening bonus but they closed my account 2. The speed that the return my {$10000.00} funds is way too slow, they should send the money back to me immediately. 3. I might be relocating to another city in a few month,. 4. They unlawfully hold my money and don't return it to me. I LOST MY JOB and I am very poor and I don't have money to buy food and add gasoline. So, I demand my funds back immediately!!!

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 2023-07-24
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2023-05-28
Company: Credit Corp Solutions Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Hello there, Please help me understand why would there be interest charges on a written off and closed loan account. I thought we were in the process of trying to settle this written off debt from years ago. Anyway, I tried multiple times to communicate/negotiate with XXXX XXXX years ago and Credit Corp Solutions prior to court filings. But, both parties were super aggressive failed to negotiate and both were biased towards me at that time. It would be impossible to payoff this written off debt currently due to living on a fixed and limited income. I was finally approved for SS XXXX after patiently waiting for over twenty-two months. This would be a huge financial burden and detrimental to health on anyone who is barely making ends meet which can lead to a possible life threatening illness. I do not know who gives the authority to these third-party, wicked collection agencies who buy junk debts pennies on the dollar and then abuse the less fortunate, low income individuals and families! 

Thank You, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: Maury Cobb, Attorney at Law, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX  keeps contacting me about a debt but call me every day after I had told them not to. I spoke with phone company that I owe the debt and told me that I dont even go through Maury Cobb

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
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:
In accordance with the Fair Credit Reporting Act 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 Secrtion 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting Act 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 Secrtion 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting Act 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 Secrtion 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 2020-09-25
Company: Westlake Services, LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid off my vehcie on XXXX XX/XX/2020 ( as verifed on my online account information ). I never heard back or received my title. I called to inquire and was told that it was " released to a third party '' on XXXX XXXX As of XXXX XXXX, I have yet to recieve my title. I have called several times and each time I am : put on hold for over an hour, hung up on, shuffled around between departments, lied to, and was treated very rudely. I paid of my vehicle in good faith and now I have no recourse to get the title to which I am legaly entitled.

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 2021-02-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/20 {$800.00} unauthorized transaction through XXXX to XXXX found the name XXXX XXXX Contacted him through XXXX  and asked to send back money through his account and claimed he didnt know what I was talking about XXXX/XXXX/20 {$800.00} was transferred into my chase account while they did research Chase closed my account after denying my claim twice after I have called to dispute again. So hard to get copies of my statements. 

I do not have a record of ever disputing a payment. This was an unauthorized transaction. Im a XXXX  in california who lost their job. I would not be spending {$800.00} this is rent money to me. I would just like your help on getting this back so I can then cancel my account with Chase since their customer service and fraud protection was so poor. 
Thank you for all your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
If the reinvestgation under paragraph1 of any information dispute by consusumer an item of the information is found to be inaccurate or incomplete or Cabot be verified the consumer report agency shall promptly delete that item of information from file of the consumer or modify of information as appropriate base on the the result of the reinvestigation and. The information is wrong it as paid and close on my account they need remove XXXX for my 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 2023-05-28
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I open a Citi Basic Checking account on XX/XX/XXXX, and deposit {$25.00} as init fund. Then I deposit {$10000.00} to finish their new account opening bonus. The ACH transfer is success from my XXXX  XXXX XXXX side. However, a few days later, I could not access my online Citi account. Later on XX/XX/XXXX, I got a email from Citi bank and they closed my account and they will send the funds to me by check in 60 days. This is totally unreasonable to me : 1. I legally transfer {$10000.00} to finish their account opening bonus but they closed my account 2. The speed that the return my {$10000.00} funds is way too slow, they should send the money back to me immediately. 3. I might be relocating to another city in a few month,. 4. They unlawfully hold my money and don't return it to me. I LOST MY JOB and I am very poor and I don't have money to buy food and add gasoline. So, I demand my funds back immediately!!!

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 2022-07-21
Company: Experian Information Solutions Inc.
State: MI
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  accounts have violated my rights. 

XXXX XXXX Account : XXXX Problem : Contacted company multiple times about late payment not being late. 
_____________________________________________________________________ State Of Michigan : XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Hard Inquiries XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX / XXXX XXXX XXXX 15 U.S.C 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 an account without my written instructions.

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 2023-06-22
Company: Experian Information Solutions Inc.
State: AZ
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:
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 or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/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 explanation