BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-29
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2023 I received a text that money was being transferred out of my XXXX account to a person named XXXX XXXX. I called to let Chase know that it was fraud. Two charges totaling {$3500.00} were pending at the time of my call. Chase did not stop them and continued to take my information. I asked them to freeze my business account that the funds were being taken from. They said they couldn't freeze it. While we were on the phone another transfer from my XXXX was pending from XXXX XXXX again. They were able to stop this third transfer. I had to create a new account with a Chase representative because my security questions were compromised as well. 
I made a complete report with Chase and received a letter yesterday from Chase that the charges were authorized and I wouldn't get my money back. I called and went into the XXXX, NY branch today and they have not resolved this issue. I never allowed this transfer, do not know this person and was told by Chase to get a police report and look up the person. The person, XXXX XXXX, from my search, lives in Georgia and is an alias for someone else. A police report was filed today. I am awaiting a copy of XXXX XXXX made from XXXX XXXX XXXX. 
Chase was a complete disappointment and very unfair to me! I fraudulently lost {$3500.00} after being a loyal customer for 20 years! I've spent many hours unsuccessfully trying to have this resolved. Chase online was terrible and the fraud department was even worse. I will tell everyone I know not to use them and that they do not protect their customers. They offered to sell me additional protection for the future. There won't be a future with me, my husband, family and friends who will no longer be customers to this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: GOLDMAN SACHS BANK USA
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/XXXX I applied to the Apple Card by Goldman Sachs Bank. The following week right after I was approved I inquiry and requested my SCRA benefits being applied to this account since I am a military in XXXX XXXX since XX/XX/XXXX. 

On XX/XX/XXXX I was denied the benefits, and their reasoning was that they only grant the benefits to service members that apply for the card before being ordered to XXXX XXXX. Basically since I applied for the card while being on XXXX XXXX I do not qualify. I sent my military orders and even a memorandum signed by my commanding officer stating that to the date of the request I was actively serving as a service member, because at first the military order alone wasnt enough for them. Which it makes no sense, they were asking for another military order on top of the one that I currently provided which that tells me that they dont know how a military order works ( My current military XXXX XXXX order runs until XXXX ). I never had this bad of an experience with another mayor bank. Currently I have the benefit applied to 3 other accounts in different banks and never had a issue. 

After it was denied, I requested the policy that they used to disclose and determine who qualifies to the SCRA benefits. I requested the policy via email and by mail. They never replied. The information of the bank on the topic is very vague on the internet and out of the 3 times that I called no one could tell me what was their policy. They stated that a supervisor informed them that I was not qualified but could not provide the policy or regulations they guide themselves to this types of process. Still I am waiting for the document that discloses who and how any service member qualifies for this particular benefit and how they based their decisions. 

To my understanding, the requirements to receive the SCRA benefit applied is only to provide a military order proving my current XXXX XXXX status. I would appreciate if you can help me to get to a resolution to this issue, weather it is a document informing the actual requirements or to actually get the benefit applied. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Equifax is violating the law and my rights on a daily basis. Dealing with an Identity Theft account I have been disputing for months. By Equifax doing this to me, they are doing it to other consumers that rely on their credit, especially those that are Victim of Identity Theft. Equifax has totally violated, ignored, and denied my legal dispute letters for months. Especially a consumer that is a Victim of Identity Theft. Equifax has forward me XXXX letters dated XX/XX/2023 and XX/XX/2023 stating an illegal Section of the FCRA that does NOT exist Section 605B ( c ). There is NO such act. Equifax has NOT followed Section 605B of the FCRA. I have followed Section 605B of the FCRA in supplying all documents needed to be in accordance and in compliance with Section 605B of the FCRA of Identity Theft. Equifax has denied Section 605B of the FCRA. 

Here is a summary of the key provisions of Section 605B : 1. Blocking Information : If a consumer submits an identity theft report to a consumer reporting agency ( CRA ) stating that information on their credit report resulted from identity theft, the CRA must block that information from their credit report. This is aimed at preventing fraudulent or inaccurate information from harming the victim 's credit. 
2. Duration of Block : The CRA must block the information within four business days after receiving the identity theft report.

3. Notice to Furnishers : Once the CRA has blocked the information, it must promptly notify the furnisher of the blocked information, which is typically the creditor or entity that provided the disputed information to the CRA.

4. Duties of Furnishers : The furnisher is then prohibited from reporting the blocked information to any other CRA without notice that the information is disputed and may be fraudulent.

5. Extension of Block : The block on information can be extended upon the consumer 's request or based on certain criteria.

Section 605B is an important provision for victims of identity theft, as it allows them to take steps to prevent fraudulent accounts and information from damaging their credit reports. If you believe you are a victim of identity theft, it's important to follow the procedures outlined in the FCRA, including providing an identity theft report to the CRAs to block the fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I bought a house XX/XX/XXXX for {$220000.00} I had a credit score of XXXX/XXXX, I was put into an FHA loan because I was told that I only had 10 % down payment. XXXX  XXXX XXXX bought the loan@ 3.625 % ( until XX/XX/XXXX ) they transferred the loan to Carrington Mortgage XX/XX/XXXX/XX/XX/XXXXBalance was {$180000.00} before payment of {$1300.00} on XX/XX/XXXX. Carrington Mortgage took over w 1st payment starting XX/XX/XXXX@ 3.625 % ( until XX/XX/XXXX ) ... 
XX/XX/XXXX intrest rate went up to 4.625 % New payment was at {$1400.00} then dropped to {$1400.00}. I had contacted them in XX/XX/XXXX about removing my PMI due to the equity/value of my home & received a letter back From Carrington mortgage stating premiums are set to cancel XX/XX/XXXX based on original closing documents or per Hud principal balance must reach a {$170000.00} in order to qualify for early cancelation current principal balance is at {$180000.00} I have contacted them again and no response. As of my statement Date XX/XX/XXXX payment due date XX/XX/XXXX my principal balance was at {$170000.00}. 
My current principal balance as of XX/XX/XXXX is a {$170000.00}! My house is currently valued at {$260000.00} ( without any of the upgrades I have done ) Not only have they not removed my PMI but on several statements they're showing " past due balance '' {$5.00} or {$10.00} Which is what they actually charge to make a payment online with your checking account. They are continuously sending emails, mailings and calling wanting me to do a refinance on my house. Please Help! I have contacted my lawyers to contact them and they have not responded to my lawyers. 
Where do I go from here?!!?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: Continental Finance Company, LLC
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I was reported 30 days late on my credit report. Once looking into why I was 30 days late, I noticed many discrepancies on my statements from my XXXX credit card. First, I do not have any statements listed on my online statements tab. Second, on my Online Payment History records, I lists payments and then lists them as payment reversed. On my Transaction history it only lists the history for XX/XX/XXXX and XX/XX/XXXX, both months having payments. On the transaction history are two different descriptions for payments. I have withdraws that state " PAYMENT-THANK YOU '' with the payment withdrawn ( XXXX ), I also have " ADJUSTMENT-PAYMENTS '' but a payment not withdrawn ( XXXX ). The Transaction History and Online Payment history do not have the same payments/payments reversed/adjusted listed. There are also payments that are on the Online Payment history that were not authorized, XX/XX/XXXX of {$35.00}, XX/XX/XXXX a {$38.00} charge was reversed yet this payment was not authorize so there should not be a reversed payment and there is a random reversal charge of {$.00}. The {$130.00} payment made on XX/XX/XXXX show that payment was accepted, and covered my XX/XX/XXXX payment, late fee and XX/XX/XXXX payment. This payment is clearly listed and was not reversed as the other payments have been. There is another payments that were accepted and not reversed, the payment on XX/XX/XXXX. 
I made a {$35.00} payment ( which was accepted ) on XX/XX/XXXX but the next was made XX/XX/XXXX of {$35.00}, but this was reversed. the next payment made XXXX, for {$97.00}, on XX/XX/XXXX, is the {$38.00} reversed payment, the XX/XX/XXXX payment was accepted but the unauthorized payment {$35.00} XX/XX/XXXX was reversed. 

Even with the payments I was never 30 days late, however, I never received a phone call stating my payments were reversed. They froze my card until I XX/XX/XXXX the XX/XX/XXXX and XX/XX/XXXX payments, which I did, and was then able to use my card. However, based on the reversed payments. Techincally, card should still be froze, I should be more than 30 days late, my minimum payment and balance should be higher. 

I spoke with my bank, XXXX XXXX XXXX, who stated that they can't see any of these transactions on my statement. This resulting in my credit score dropping XXXX points ( via 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 2023-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I responded to a comment posted by XXXX XXXXy on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) via direct message about XXXX ticket resales. The intention was to purchase 3 tickets as a gift for my brother. 

I did my due diligence and want to emphasize that this was somewhat of a sophisticated scam. I requested that the seller ( XXXX XXXX ) send some type of screenshot confirming that she actually had the tickets, and it wasnt till afterwards that I sent her a XXXX payment ( XXXX ) in the amount of {$120.00}. She did indeed send over a confirmation screenshot from XXXX. 

After confirming payment over XXXX, the seller requested that I pay an additional {$45.00} ( {$15.00} per ticket ), because there was an additional fee to transfer XXXX codes. By then I knew that I was being defraudedafter having already sent the fundsbecause XXXX ( the ticketing platform ) does not charge for ticket transfers; having used the XXXX in the past myself. 

I responded to the sellers request and asked for my money back. She feigned an apology and immediately blocked me on XXXX afterwards. Ive called Bank of America XXXX : once on XX/XX/XXXX, and spoke to XXXX, and once on XX/XX/XXXX, and spoke to XXXX. XXXX explicitly said, Youll get your money back, and initiated a stop payment. She explained that if the stop payment didnt work, I should wait for the XXXX transfer to post, and then call Bank of America back. 

I called Bank of America again on XX/XX/XXXX, and was connected with XXXX. Her guidance contradicted XXXX  : she instructed me to wait for the payment to post then call Bank of America again and ask to speak to the XXXX department.

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 2023-08-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I'm filing this complaint against capital one for purposely adding cash advance charges to my account without me using cash advance services XX/XX/2023 I was on the phone with capital one regarding me using my card for XXXX services and I was asking them questions about it but not one time did they say that me using the XXXX XXXX with the card is a cash advance so I used the app one time sending {$1.00} just see if it would work it work while I was on the phone with them however today XX/XX/XXXX I checked my account and I was charged a cash advance fee of {$10.00} I tried to get the cash advance service removed from my account and was hung up on then I called back to speak with a supervisor and explained to him everything that happened and that capital one was on the phone when I asked them if my card would work with the app not one time did they say I would be charged a cash advance fee over the phone the manager did not want to remove cash advance services which I never use on purpose to have me pay high interest charges and fees so I can not keep up with my bill this is a scam and they are trying use this on their customers to put them in debt i want the cash advance services removed from my account and this situation looked into

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
See document attached

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 2020-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 disputed two accounts twice with all credit bureaus, XXXX, Transunion and XXXX. The errors are still not fixed and the accounts are still reporting on my credit reports. The account with XXXX XXXX XXXX was sold to XXXX XXXX. Both accounts are on my credit reports. I disputed the information reporting on both accounts. The credit bureaus allowed both companies to verify information that is clearly inaccurate as accurate. Again, these are the same accounts. However, the account number with XXXX XXXX XXXX and XXXX XXXX is different. The open date is different. The last payment date is different. The last active date is different. With XXXX XXXX, the open date is reporting as XX/XX/XXXX. However the last active date and last payment date is reporting as XX/XX/XXXX with XXXX. The last payment date and last active date can not be before the open date so this is obvious inaccurate information. Also, with XXXX, the payment status has been 120 days late for years. This is obviously inaccurate. I requested that the credit bureaus send the information used to verify this information. The credit bureaus did not send this information.

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 2023-08-29
Company: EdFinancial Services
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My loan was originally given to XXXX! I called yesterday, and they said my account was transferred to " Ed Financial Services. I have NEVER, YET TO RECEIVE A CALL OR A LETTER FROM THEM!!!! I am unable to create an account on their website, since it does not recognize my name, DOB or SS #! I'm calling their number XXXX. I HAVE BEEN ON HOLD FOR ONE HOUR NOW!!!! They have really bad ratings! Nothing good on their website to say about them!! I need them to be reported please!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
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: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2021-11-15
Company: WELLS FARGO & COMPANY
State: PA
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: Card was charged for something you did not purchase with the card

Complaint:
Wells Fargo ( WF ) Credit Card Security Breach. On XXXX, I received a call from from WF credit card fraud department, listed as XXXX on my caller ID ) asking me to verify an attempted charge to my Visa account at XXXX. I called WF at XXXX and spoke to a WF agent who confirmed the call was indeed from WF. My concern is that I did open that account long ago but I never activated it, never used it, and the card has not been out of my locked desk drawer at home, and absolutely no one has access to it. XXXX confirmed that the card was never activated and never before used. My question is, since the card has not been out of my desk drawer and was never activated for use, how did someone obtain my credit card information to use on XXXX. It is clear that the account information was obtained directly from WF files, either internally or through a hack. I would like an investigation into how this happened and how many other people face the same security breach. I expressed the concern to the WF agent but they are making no indication of investigation.

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 2023-04-25
Company: CL Holdings LLC
State: MD
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:
My credit report has incorrect information on it. 
There are so many inquiries and accounts that Ive never seen. Please remove these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
They are report inaccurate information and violating my privacy rights. On top of that I never gave consent to anyone to share my personal information with anyone or my transactions. Not only that I have sent numerous letters in to resolve this matter but no one has sent me the information that I requested. My last dispute was XXXX XXXX and they never replied back or sent the information I requested.

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 2023-08-29
Company: Conduent Incorporated
State: NV
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
XX/XX/XXXX- XX/XX/XXXX Card not received. I submitted a claim and sent police report but the rendered the decision before the were able to use the police report for consideration. They told me to wait on a questionnaire and I have 10 business days to respond. I sent it in on the 9 business day and they already made the decision XXXX - XXXX Claim XXXX claim Claim XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: EQUIFAX, INC.
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 have been disputing errors found on my credit reports with Equifax, XXXX, and XXXX since XXXX of 2021. There are misspellings of my name, addresses I have never lived at, and accounts that are not mine listed. I have disputed with the bureaus via certified mail on a monthly basis. Despite my many attempts to have the errors removed/updated I have not gotten the investigation results that the bureaus are supposed to send in the mail. Without these results, I am unaware if an investigation was completed, or how they verified the information if it was. This in itself is a FCRA violation and warrants the removal of these errors. I will also list the errors below for your convenience. Please see the attached documents for further in-depth detail regarding the accounts in dispute : 1. XXXX XXXX XXXX/National Business Factor- Not my account 2. XXXX XXXX XXXX XXXX- Not mine, and is falsely reporting as an open account which is a FCRA violation 3. XXXX XXXX XXXX XXXX- Not mine XXXX and is also falsely reporting as an open account which is a FCRA violation 4. 2 XXXX accounts- Neither account is mine and I have not seen validation 5. XXXX Dental/Allied Collections- Not mine

Company response to consumer: Closed with explanation