BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-23
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have purchases on my credit card from a trip I made to XXXX, XXXX back in XXXX of XXXX. I reported the problems to Wells Fargo immediately and they cancelled my credit card and sent me a new one. They credited me for the charges after I reported them as fraud. Within XXXX weeks, they charged me back for those transactions and told me that the chip was used on the card. I know that I did not use the card for those purchases. In fact, one of the businesses called " XXXX XXXX '' is not a " real '' business. They have no store front and I ca n't find them on the web. Wells Fargo has not been able to tell me who they are or how to reach them. Here are the purchases shown on my VISA that I did not make : XXXX {$110.00} XXXX XXXX {$100.00} XXXX XXXX {$72.00} XXXX XXXX Since XXXX, I have been back and forth with the Wells Fargo Fraud Department, the Dispute Department, and the Executive Team. I have talked to over 10+ agents between those departments and no one has done anything to assist me. Honestly, I do not believe that they chip was used but that is what they are telling me. I asked them to prove that to me but they have n't. In addition, I asked Wells Fargo to contact the merchants to give us copies of the receipts. They told me that process takes 30 days and we conducted that " process '' during the time period of XXXX XXXX to XXXX XXXX and the merchants did not respond to Wells Fargo attempts. After that 30 day process, Wells Fargo told me that I could enter into an arbitration period. However, everyone I talk to now tells me that " if '' the chip was used ... .and the merchant does n't respond to Wells Fargo 's requests for a receipt, then the customer is still responsible for the charges. They are not willing to allow me to enter an arbitration process. I do n't know what to do but feel as though I need to hire an attorney to represent me as Wells Fargo does n't care about me or my problem and has wasted a lot of my time between calls to find someone there that can help me. I did not make these purchases ... .nor do I believe that my credit card was swiped at these businesses. In addition, the 2 merchants did not respond to Wells Fargo and no one has shown me any receipts of the transactions. In the meantime, Wells Fargo is continuing to bill me for these purchases AND bill me interest for them as well. I need to understand my rights and what steps I need to take now as I 'm not getting anywhere with Wells Fargo at this point. Please let me know what I can do to help myself as Wells Fargo is not offering me any assistance at this point.

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 2018-10-16
Company: EQUIFAX, INC.
State: OH
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:
After reviewing a medical debt appearing on my Equifax Credit file for collection account with XXXX XXXX XXXX, account number XXXX and checking with my insurance provider about this debt, it has been determined that the said debt with XXXX XXXX XXXX  is fraudulent. I have included a copy of my Identity Theft Report and all verification needed as required by the FTC and Equifax to have this account blocked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-04
Company: JPMORGAN CHASE & CO.
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: Information belongs to someone else

Complaint:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and JPMCB Card. The Account Opened is JPMCB Card Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$38000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been receiving phone calls from debt collection agencies. I took the time to contact the debt collection agencies as well as the XXXX credit bureaus. 
Upon receiving a copy of my credit report I have retrieved the info about an unknown unauthorized account. I was told by the credit bureaus to file a police report for the fraudulent activity on my credit report. 
I have no knowledge of this debt. This is not my debt. The following accounts are the result of identity theft : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I am still waiting on XXXX more fraudulent accounts information. I will be contacting you guys in a week or so with the other fraudulent accounts to add to this report. I would really appreciate these issues being taking care of. I file a police report as well and XXXX attach the supporting documents Please remove this fraudulent account. 


Account Balance {$2000.00} XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, VA 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 2018-11-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
MY CREDIT FILE IS IN THE OFFICE OF COMSUMER AFFAIRS WITH EQUIFAX INC. EQUIFAX BLOCKS MY AND/OR CREDITORS TO SEE MY CREDIT REPORT AND CAUSES ME GRIEF AND CAUSE CREDIT DENIAL DO TO NO CREDIT FILE SHOWING UP. I HAVE BEEN DEALING WITH THIS FOR OVER 7 YEARS WITH EQUIFAX. I NEVER REQUESTED MY FILE BE IN SPECIAL HANDLING AS EQUIFAX REP SAID. ITS FOR MY PROTECTION. I HAVE ALOT OF INACCURATE INFORMATION ON MY CREDIT BUT IM UNFORTUNATE TO SEE IT EQUIFAX HAS ALSO BLOCKED ME FROM SEEING MY REPORT FROM ALL ONLINE ACCESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: JPMORGAN CHASE & CO.
State: MI
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:
XXXX  has been non-compliant with removing the unverified account CHASE CARD Opened Date XX/XX/2015 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that CHASE CARD was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
This amends Complaint ID # XXXX and # XXXX My mother and I requested that her SunTrust account be closed in writing and we were informed by the branch manager that we would need to come to the branch in person to close the account. I left work, in XXXX, and drove back to XXXX to take my mother to the branch. Initially they were not going to close the account because my mother only had one form of ID, a State of Florida issued ID card ( my mother no longer drives ) but they relented and accepted my mother 's XXXX card as a second ID ( although it doesn't have Mom 's picture or signature on it ). When we closed the accounts we were given a notice that the account could re-open if items hit that night. I specifically asked that any credits due to Mom because of fraud NOT be posted to the account and that instead they be mailed to her in the form of a cashier 's check payable to her to her address on file and we were told that they would do so. Instead they have credited the account ( she is still due more refunds ) and re-opened the account. This causes two problems. First, this allows whoever is committing fraud on Mom 's account to continue to post items to the account. Second, I am going to have to take even more time off of work to drive Mom to the branch to close the account with no guarantee that the account will actually close because she is still due over {$4000.00} in additional refunds. If they continue to re-open the account and post items to it this becomes a never ending cycle. 

The bank 's handling of this situation has been ridiculous. They have refused to freeze the account and instead continuously post additional fraudulent items to the account causing us to call the fraud department over and over again and submit new paperwork. The last time I called them, XX/XX/XXXX, I was on hold for 51 minutes and 25 seconds before I reached an employee. They made it as hard as humanly possible to close the account and  when we did close the account they re-opened it. We moved the money from her checking to the savings account in order to protect the funds from fraud and they immediately began posting fraudulent items to the savings account in the amount of {$7700.00}. We were able to close the savings but now we have to wait for the funds to be refunded. I've asked on numerous occasions, including in writing, that I be contacted by a supervisor but to date ( and this began on XX/XX/XXXX ) no one has contacted me. 

I've worked in XXXX  for thirty-five years and know how fraud cases are supposed to be handled and this has been the most frustrating experience of my life. What do people who don't know Reg E and the rules do? I just can't imagine how people who are unfamiliar with banking rules and have no one to help them navigate this horrific system.

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 2017-09-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We locked in a very good interest rate and the refinance of our loan was dependent on the appraisal. We 've have three prior appraisals in the last XXXX and prices where we live in XXXX XXXX have only gone up. Our realtor tells us inventory is still really low. Chase 's appraiser came back with a value that is the same as our current mortgage and XXXX % lower than our prior 3 appraisals. There were several mistakes in the appraisal and recent comps were excluded that are higher in price. One of which was only XXXX months ago. At the same time interest rates have gone up and that rate is n't available at other lenders now. Chase may have backed out of our loan because of higher rates, which is unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: SANTANDER HOLDINGS USA, INC.
State: VA
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:
Hi A hard inquiry is placed on my credit file by a SANTANDER CONSUMER USA INC Address : XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Phone : ( XXXX ) XXXX on XX/XX/2023 I never apply with this company for anything or with any other company at this date, i called the company asking why they submitted the inquiry they say they can not help me without account number, I don't have account number with them because I don't know who they are i try to call XXXX to dispute this inquiry they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12
Company: Experian Information Solutions Inc.
State: KS
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:
Please be advised over the past 4 months I have filed 4 complaints and this is my FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. PLEASE DELETE THE XXXX XXXX ACCOUNT OF {$310.00} FROM MY CREDIT FILE 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 2021-02-04
Company: Creditors Bureau Associates
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: Nevada Credico, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello I received a letter from XXXX XXXX on XX/XX/2018 that was supposed to contain information to validate a debt in the amount of {$680.00} that i'm being accused of. 
This letter did not have any proof that this account belongs to me. This document they've sent me was not an original contract signed by me. The date of birth on the " contract '' is not my date of birth. The employer listed on the " contract '' is not my employer. The social security number on the " contract '' is blank. No validating proof that this account belongs to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: Grain Technology, Inc.
State: OR
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:
Reached out to all creditors about the accounts for over a year have not gotten any resloution ask creditors to send the orignal contract and provide verfication for the last year I still have not gotten any information from the creditors aslo filed disputes with all three credit companies such as XXXX XXXX XXXX. All creditors are reporting in accrate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: EQUIFAX, INC.
State: MT
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I received an email confirmation on XX/XX/2019 at XXXX mt stating that the dispute that I submitted in XX/XX/2019 was completed and the  investigation was closed. The email offers a link for me to check my results and each time that I click on the link, provide all of the correct information about myself, I received a result stating that more information is needed before I can see my results. I contacted Equifax by phone and spoke to a representative. The entire conversation was terrible due to a huge language barrier between the representatives and I. I could barely understand anything that she said or asked because of how strong her foreign accent was. I provide her with information and still left the phone call with no information on my results. I was told more information was needed for personal identity purposes. I'm very frustrated with Equifax and how difficult it is to solve and receive results of disputes. I've had perfect results and assistance with XXXX and XXXX but Equifax has a horrible online dispute system and many employees that aren't speaking English clear enough for consumers like myself to understand them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: Experian Information Solutions Inc.
State: AR
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:
XXXX  XXXXDispute  XXXX  XXXXXXXXDispute   XXXX  XXXX  XXXX XXXX  XXXXUnder Dispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute Chapter XXXX bankruptcy dischargedUnder Dispute all ftc violations sent over to all companies

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 2022-11-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had a dispute with a merchant, BOA did not investigate, then told me they could not dispute, months later, w/o a credit slip. I asked for a credit slip and they have not provided me with one

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 2018-11-28
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I spoke with Discover card customer service about fraudulent unauthorized charges on my account from XXXX XXXX  dating back to the last couple years. 

We opened an investigation on XX/XX/2018 and received a letter on XX/XX/2018 saying the investigation was completed and charges were being refunded back to my account. 

On XX/XX/2018 I requested a credit balance check sent to me for the credit on the account. 

Nothing was sent. 

On XX/XX/2018 I called customer service and once again requested the credit on my account be sent via check. The customer service dept promised it would be sent within 14 days. 

Today is XXXX XXXX and still have no received a check and the balance is still sitting there in my account. I just called customer service and they dont have a time frame until sercurity checks are over ... 

It has been 29 days since the investigation was completed in my favor and over 25 days since I requested a credit balance refund check that has not been completed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-16
Company: ALLY FINANCIAL INC.
State: WI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have had an Ally Bank Online Savings Account since XXXX. On XX/XX/XXXX I received email from Ally offering a 1 % interest bonus, up to {$500.00} max, for depositing new money into an account and keeping it there thru XX/XX/XXXX. The bonus would be deposited into my account by XX/XX/XXXX. It also mentioned to Be sure to use the email address associated with the Ally Bank Account you plan on transferring new money to. 

I enrolled on XX/XX/XXXX and received an email to my savings account associated email - confirming my successful enrollment. I deposited {$50000.00} and received an email from Ally on XX/XX/XXXX on the successful transfer of the {$50000.00} into my account. I kept the funds in the account thru XX/XX/XXXX. 

Noticing that the 1 % bonus ( {$500.00} ) had not been credited to my account I called Ally bank on XX/XX/XXXX to inquire on the timeframe for receiving the cash bonus. The only thing we could discern is that perhaps the glitch was that in XXXX I changed the email associated with the account to my gmail email, to simplify my life. I was told that that would not have affected the criteria and that the matter would be escalated to the back room for resolution. 

I called again on XX/XX/XXXX and was told that it was still being processed and that it typically would take 7-10 business days. It is now XX/XX/XXXX, over 1 month since it should have been deposited, and 15 business days since I first called Ally and still nothing. I have clearly met all of Allys eligibility requirements outlined in the offer and am due the {$500.00} bonus. 

Note : On XX/XX/XXXX I first sent this complaint to the FDIC. I received an email this afternoon that they were forwarding to you for resolution, so this is an updated copy of the one sent to you by the FDIC.

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