BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-08
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On or about XX/XX/XXXX I rented a temporary mailbox service from The UPS Store located at XXXX XXXX XXXX XXXX Washington. DC. I paid a total of {$170.00} using my Wells Fargo XXXX card and I told the merchant I only needed the mailbox for NO LONGER THAN 90 DAYS - MAX! At the time of rental, they were quite discombobulated and disorganized and couldn't provide my mailbox number, the key. nor instructions on how to access the mailbox. I said to the clerk, OK ; I'll walk down to XXXX 's at XXXX XXXX and do some shopping and will stop by on my way back. She said that would be best given their disorganization and the long line extending down the sidewalk from their counter. Approximately 2 hours later still no keys, mailbox number, or instructions. I agreed with the clerk to come back later that afternoon before closing. It was a situation of the same kind ; no key, no mailbox number, and no instructions. I didn't like this. I tried back for 4 or 5 days with no success. At the end of that time I was traveling to XXXX Virginia to live on my farm for protection from Covid-19. One thing led to another including exhaustion from not being able to get my mailbox info, and I forgot about the mailbox until XXXX they started spamming me demanding that I pay them more money for the extension of my mailbox that they never assigned to me, nor provided a key or instructions. ( NOTE : it was not until they started spamming me that I learned my my mailbox number XXXX ) Initially, I let the costs slide until they became very persistent and rude on the phone. At that time I filed a dispute with Wells Fargo to get my money refunded as The XXXX Store 's manager, XXXX refused citing " no refunds ''. Wells Fargo denied my dispute for services I had paid for but never received and have subsequently closed my bank account citing the under The XXXX ' law i'm not entitled to a refund. I don't know how The XXXX law applies to my U.S. based account opened by me ( a U.S. citizen ) in Washington, DC. ( My guess is that the caller told me who called about the dispute identified herself as being in XXXX, XXXX XXXX XXXX. Since on or about XX/XX/XXXX The XXXX Store has spammed me ( at least once daily, sometimes more ) to pay an additional bill I've filed a complaint with the Federal Trade Commission about that abuse. For resolution, I want my {$170.00} refunded to my account, my Wells Fargo checking account reopened and all negative marks on my account permanently removed, and my account remain in an open and active status.

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 2021-07-07
Company: JPMORGAN CHASE & CO.
State: NY
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

2. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

3. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Carrington Mortgage Services deliberately lied to XXXX  stating that I had surrendered the deed to my property to them in leiu of a foreclosure and that my home was in the process of being liquidated. 

They refused to correct the error on my credit report when asked to do so on XX/XX/2021 even though their customer service dept verified that I was entitled to a temporary forebearance due to my application for Mortgage Assistance not being able to be completed due to a COVID19 issue. COURTS were closed due to executive order, keeping me from being able to submit records to Carrington and the FHA needed for my loan modification application to be completed and processed. In addition this change that is saying my property is set to be liquidated was made as a scare tactic to get me to fork over money when I am not to have anything done to me regarding any foreclosure, until XX/XX/2021. The moratoriums on evictions and foreclosures are in place until then. This false reporting, etc. was made in XX/XX/2021. 

As a result of this situation, I had to pay {$750.00} in attorneys fees, in order to have a lawyer get involved just to remove errant info from a credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
Equifax is a biggest XXXX joke big not trying to help and trying to get in personal information XXXX time in the last XXXX mouth I gave them my personal info XXXX mouth ago im notgoing to do it again get your XXXX XXXX stright andstill having problems getting my credit score with credit hero score and u bunch XXXX. 

I'm dealing with XXXX hope your XXXX happy about it to make people feel XXXX sick

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: ERC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021 I received a call from Capital Ones fraud department, asking to verify my information on my employment to make sure I was eligible to receive the grants and eidl loans from the SBA. I spoke to the woman for XXXX minutes, she verified my information and said everything was good to go. On XX/XX/XXXX I received a {$14000.00} deposit for my eidl loan increase, the remainder of my total amount of {$19000.00}, my first amount was for {$4800.00} in XXXX or early XXXX. Prior to receiving the remainder of my loan I called and spoke to capital one again on XX/XX/2021 because I hadn't had my application approved by the SBA yet but the woman I spoke to previously, a month prior, already knew the amount I applied for so I was making sure they didn't mess anything up. They said that if I hadn't had my loan portal updated to approved then the deposit won't show as pending on my account, ok, fine, that makes sense, they said yet again that everything was fine. So on XX/XX/XXXX I received the call from the loan officer at the SBA and they approved my loan increase, I received the funds the XXXX of XXXX, like I said, then the next day at XXXX p.m. central time I received an email from Capital one that they had put a fraud hold on my account to verify my information and asked for tax returns and statements showing I received refunds, so I immediately sent it to them and after that I called them ... .yet again, only to get told that they're investigating me for fraud and should be cleared within XXXX business days. It's been a week. I have yet to hear anything back and have had literally every bill I have to pay returned because they've frozen my available {$7000.00} plus left in my account. Currently I am {$26000.00} overdrawn in an account that I used for everything because they put a {$34000.00} fraud hold on my account which is the total amount of the grants and eidl I received from the SBA. This is after they have talked to me twice before the hold and verified my information and said it was all ok.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Equifax is reporting a charge off for XXXX XXXXXXXX XXXX. That same reporting that is listing the account as a charge off also shows a balance of XXXX. The account itself was not mine to begin with. But there is clearly a flaw in their investigation when the account shows both charge off and an amount of XXXX. If there is no money owed on this account, it should not be listed as a charge off. You cant have a charge off for a XXXX dollar amount. Every time its updated theres a different remark with another item that is incorrect. As a matter fact, the trade line is now showing a charge off for the month of XX/XX/2023. When prior to this this account was many years old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Chase illegally locked me out of my accounts.

Chase refused to close accounts via telephone.

Chase refused to close accounts in branch.

Chase ignored emails to close accounts.

Chase failed to provide accommodations for disabled. 

Account was able to have all funds removed but refused closure. 

Monthly service fees accrued for account maintenance on XXXX balance with refusal to close.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am interested in processing disputes on my credit report with transunion that is hurting my file.please review an delete the data listed. alot of information is inaccurate on my credit report. my file needs to be corrected to help fix all of the inaccurate information listed asap.

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 2023-08-09
Company: EQUIFAX, INC.
State: GA
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 the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name XXXX XXXX XXXX XXXX XXXX  credit card and Grow XXXX XXXX # XXXX Auto Loan. 15 U.S.C 1681 section 602A 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. 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing and 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 7 years. 15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2021, I reached out to a lady who provided me the name of " XXXX XXXX XXXX '' who I saw on a group on XXXX advertising that she was a XXXX reseller. She was very attentive and responded back to all my messages in a timely manner, so i figured she was reliable and since others were confirming her work I ended up purchasing XXXX custom XXXX XXXX from her that came up to the total of XXXX through my bank via XXXX. I reached out to her via text from the number she provided to confirm her name and info since the name she provided was different from the name I was seeing on XXXX. She told me that she went by her middle name and everything was fine, I didn't think anything of it since I myself go by my middle name. I sent the money. In the days following, she still kept in communication with me via XXXX telling me she was getting started on them and that she would keep me updated. On XX/XX/XXXX she wrote me saying that there was a delay in one of my shoes and asked me if I minded waiting for all of them to be shipped out at once verses her making two separate shipments, and I agreed. On XX/XX/XXXX, I saw she was selling some more Nikes and decided to purchase those as well, so I made another purchase for 5 more shoes totaling XXXX through XXXX again. She confirmed the funds yet again and said she would send them as soon as she could. During this entire time we had been in constant communication via XXXX messages and text message. By XX/XX/XXXX I realized I had heard nothing from her about the first order nor the second so I messaged her, no response. On XX/XX/XXXX I texted the number that I had for her Asking what was going on because I hadn't heard from her still, no response. On XX/XX/XXXX I texted her again saying If I didn't hear back from her I would dispute the charges with XXXX thru my bank, yet again no response. Eventually, I reached out to my bank in an attempt to dispute the charges since I realized the lady XXXX XXXX XXXX was a fraud, only for them to tell me they don't refund those charges. I was unaware that, that money wouldn't be covered by my bank even though it was clear I was scammed out of my money. Navy Federal still declined to open up a case for those funds even though I told them I could provide the necessary proof to show I had been scammed. I am out of XXXX from a woman who portrayed herself to be a shoe salesman. I attempted to file a police report against this woman but have since been blocked on XXXX and no longer have a picture of her, nor did I have the original XXXX messages so they advised the only thing I could do was file a complaint. I do still however have our text messages to show the message exchange we've had for proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: EQUIFAX, 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:
Equifax didnt investigation into a Tradeline that was on my credit report from XXXX XXXX Just tried mine used to be a closed account which I said it was not mine. There was no money owed on the account the account reflective XXXX. I challenged it to Equifax to get the XXXX removed. The investigation Equifax did simply labeled the account as a collection account with a XXXX balance.. the account cant be a collection account if theres no money owed. The information that they reported to the credit report, even after the investigation is still wrong and false information provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
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:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-09
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
So I deposited a check into my account and it cleared in 2 days, once it cleared I transferred money into my savings account then 2 days after that they then put a hold on that check and both my accounts, I've called the fraud department and they tell me go into the branch and talk to manager, I go into branch and the manager tells me I have to call fraud department, now they are telling me they are going I close both my accounts which is whatever the problem is I had money in my account before I deposited the check and they won't give me my money and now they are telling me it's going to be all the way until XX/XX/XXXX, it's already been 30 days since this originally happened and they won't give me any of my money, in now homeless and everything I've had set up through automatic payment is defaulted and I'm completely screwed. I don't know what I can do but this doesn't seem right in any way. Please help.

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 2023-08-09
Company: Navient Solutions, LLC.
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
My name is XXXX XXXX, and I am an XXXX resident who consolidated student loans with my wife in XXXX. Ive been following the legislation to separate the consolidated spousal loans that President Biden signed into law in XX/XX/XXXXXXXX XXXX 

I have been patiently waiting for the Department of Education to issue guidance on separating these loans. Both my wife and I are public employees for sixteen plus years. We are eligible for Public Service Loan Forgiveness, especially now that the Spousal Consolidation Separation law is in effect. 

DOE has failed to provide any guidance on how to separate our consolidated loan and so we can transfer it to the DOE for PSLF eligibility. 

DOE has published a one-time IDR Account Adjustment for which I feel we qualify under the terms listed. However, because our loan is a spousal loan we can not complete the required steps because DOE has not provided the path to consolidate FFEL loans to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-09
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: Credit inquiries on your report that you don't recognize

Complaint:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: CITIBANK, N.A.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hello, I am in need of assistance with an issue my husband and I are experiencing with Citibank. On XX/XX/XXXX, I attempted to use my debit card and it did not work. I contacted Citibank and was informed that they had blocked my account and scheduled it to be closed due to a check that was deposited that bounced. At no time was my account in a negative balance due to this check. My husbands direct deposit of {$4100.00} was also deposited and we were not able to access it. Ive spoken to Citibank several times and it seems that our account is in limbo. We are not getting any resolution and we are unable to access several thousands of dollars that we need to pay our mortgage, car payments, and to feed our XXXX young children. Citibank has advised me that the only way we can get our funds is by visiting a branch or wait for a check. Ive explained to Citibank that there is not a branch in the state of Arizona where we live and that not having access to our money is causing a great financial hardship on our family. I cant get anywhere with Citibank. In the mean time, my family is suffering financially and the stress that this issue has caused is unbearable. Ive asked Citibank to either close the account and send us our funds ASAP or make the funds available for us to use through a debit card, online bank transfer or cashing a check from this account. When I call, I get different people and none of them seem to know what to do. This is just unethical and terrible.

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