BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-31
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Ever since my compromised account ( XXXX ) was closed and reopened to the new ( XXXX ) EVERY SINGLE ATM transaction has been declined and NO ONE within the CHASE organization can explain why. I have been embarrassed, left with no way to gas my car, and no way to stock my pantry. 
My old account would ALWAYS pay - REGARDLESS of account balance!! And I never had to worry about my safety or wellbeing. REGARDLESS OF ACCOUNT BALANCE. And in all honesty, I had no problems paying the respective NSF fees. This new account blocks every transaction - not to mention, checks have been returned too!!!!! 
Im NOT happy!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was going to XXXX on vacation. So on XX/XX/XXXX I set up automatic bill pay on my Alaska XXXX credit card through BOA. I was told that the auto pay would not go through until the following billing statement. They told me I needed to do the XXXX payment by phone. So I did. 

BOA took {$2700.00} out of my checking account on XX/XX/XXXX by phone. They also took XXXX out of my checking account by auto bill pay. ( even though they said that would not happen ) BOA only gave me credit ONCE for {$2700.00}. 

BOA has been holding onto the other {$2700.00} since XX/XX/XXXX. I have tried to contact them numerous times by phone and by messages. 

It is nowXX/XX/XXXX. BOA still has not given me back my money or credited my account. 

If this was they other way around they would be charging me a late fee, they would be charging me 26 % interest etc! 

I am very upset with BOA This has to be illigal!!!

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 2019-08-07
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: Information belongs to someone else

Complaint:
I have contact YOUR CREDIT AGENCY and have informed you that I am a victim of identity theft and that XXXX in the amount of {$1300.00} account is a result of identity theft and so is XXXX XXXX XXXX  IN THE AMOUNT OF {$1100.00} YET YOU STILL CONTINUE TO REPORT THIS FRAUDULENT ACCOUNT. IF THIS ACCOUNT IS NOT REMOVED I WILL BE FORCED TO SUE YOUR CREDIT REPORTING COMPANY. How could this company verify this account with you when they can't verify it with me. They have nonbonding legal contract and I have never dealt with this company before. I have never dealt with this company or the company XXXX that they represent. There is no contract bearing my signature and XXXX has never contacted me regarding this fraudulent account either. So if they never contacted me how could I inform them that the account is indeed not mine. After contacting both companies neither can provide legal binding contracts so how in the heck are they reporting this fraud 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 non-monetary relief
Consumer complaint received 2017-10-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In XXXX, I decided to increase my credit lines and applied to several banks and was approved by all of them. Bank Of America was one of them. I received modest lines of credit on a XXXX and a XXXX. I used both cards and paid them off immediately in XXXX. In XXXX I used both cards again. The cards had 0 % balance transfer offers and I made balance transfers to both in order to lower my interest. Within 2 weeks of completing the transfers, Bank of America sent me letters for both accounts stating that they reviewed my accounts and closed them due to having inquiries on my credit report as well as the balances were too high ( under 30 % ). I believe that Bank of America is a predatory lender who is looking to coax people in on special offers, then they close the accounts and charge them high interest until they pay them off. I am going to press them to see how high the interest goes and when I get the amount in writing, will pay them off ( since i have plenty of cash in my account to do so ) and then will look to sue them. 
This " bank '' even petitioned me to be on their VIP customer list. If you are with Bank of America, you should close your account and move it to a bank that is interested in keeping customers and building relationships. This bank is run by crooks.

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 2017-10-28
Company: E-Backgroundchecks.com, Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX HOSPITAL DOES NOT HAVE CONSUMER 's Consent to order report, and did not have it on X/XX/2016 when they requested report # XXXX. 

Consumer has never domiciled in XXXX, North Carolina. Consumer has never visited XXXX, North Carolina. Consumer has never been served with or seen any verifiable proof of claim in connection with criminal hit by North Carolina Statewide Records. Consumer declares that this is an inaccurate report. report id # XXXX and # XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04
Company: SYNCHRONY FINANCIAL
State: AP
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Hi, Im due to purchase my first home in XXXX so Ive been monitoring my credit weekly to be sure theres no issues. On XX/XX/XXXX I accessed my credit report via credit karma and saw that an account appeared on my report named Syncb/CareCredit. I also noticed a previous address added that I never lived at XXXX XXXX XXXX XXXX XXXX Florida. The account said it was opened XX/XX/XXXX. There is no balance on the credit card but the available credit is XXXX dollars. I never received any letters, cards, or anything in the mail saying I opened a card. I never applied for a card. The account said I was added as an authorized user. I want this account removed from my credit as soon as possible. My name is XXXX XXXX and I never lived in XXXX Florida or XXXX Florida. The company address is XXXX XXXX. XXXX XXXX, XXXX Florida 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 2021-09-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Lender continues to report " open '' status on mortgage that was paid off XX/XX/2021

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 2021-04-12
Company: Experian Information Solutions 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:
Payment history is completely inaccurate! Loans on Forbearance from XX/XX/XXXX to XX/XX/XXXX and XXXX XXXX showing 90 days late when XX/XX/XXXX - XX/XX/XXXX are on time. Another forbearance was granted XX/XX/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
Consumer complaint received 2022-02-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
The three major credit reporting agencies ( XXXX, XXXX, XXXX ), are inaccurately, inconsistently, and unfairly reporting my consumer information ( Via Capitol One Auto ) : OLDER DERAGETORY EVENTS : XXXX is reporting XX/XX/XXXX, XX/XX/XXXX as 30 days late. 

XXXX is reporting XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

XXXX isn't reporting and 30 day late payments. 

This is inconsistent, unfair, and inaccurate and NOT 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 number # XXXX, XXXX Account XXXX # XXXX, XXXX XXXX XXXX Account number # XXXX, XXXX  Account number # XXXX, XXXX XXXX XXXX Account number # XXXX has XXXX my rights. 
15 U.S.C 1681 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 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 non-monetary relief
Consumer complaint received 2018-01-11
Company: Conn's, 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 status incorrect

Complaint:
I 've had an account open with Conns Credit Co since XX/XX/XXXX that is showing as delinquent since XX/XX/XXXX as delinquent. However, there has never been a missed payment on the account. 

The company acknowledges an accounting error, and after months and months of contacting them to rectify it, nothing has occurred. They have exhaustive notes in my file of the situation and repeated calls as well. 

I am still paying on the account and are not reflecting those payments. 

The account is inaccurately reporting to show a balance of {$2800.00} and are offering a settlement offer of {$1200.00} as if the account is charged off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-04
Company: WELLS FARGO & COMPANY
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have made a purchase from XXXX XXXX through financing without any interest for one year, usually XXXX  XXXX go through Wells Fargo for financing, I have made all payments on time and settled the account before the end of the year on XX/XX/2019, I went to XXXX  XXXX   XXXX in person and got the credit memo from customer service, and asked them when would this credit be reflected on my wells Fargo account, in order for account to be closed and will show that I have XXXX balance remaining, they stated it will take 3 - 5 business days. 

unfortunately I have checked my account within two weeks and nothing was reflected on my wells Fargo account, I called XXXX XXXX customer service and asked them why is my final paid bill is not showing under my wells Fargo account, they stated that they have sent it already and I should talk to my bank ( Wells Fargo ), I immediately sent an email to my bank stating my issue, the bank answers me by I should call this number XXXX, which I did and informed them about my issue, their reply was, we will investigate and reply back to you. 
In the mean time I was being charged by my bank Wells Fargo {$340.00} interest charges against my XXXX XXXX account due to the remaining balance which I paid fully but still not reflected on the account, so I send another email to my bank stating that your investigating is taking too long and I am being charged with every thing in their book, late fees + interest charges and so on, the bank replied back we are still investigating this matter!!! really, it is not fare to delay this matter just so the bank can charge me all those false charges, although I paid the late charges {$38.00} plus the minimum due payment on the interest charges, just so I can keep my credit safe which is above 720, I can't believe that they are still investigating this matter, it is so simple and every thing is done electronically, all what they have to do just contact XXXX XXXX to get the credit memo number and close this case, I have sent the credit memo number to them, and I have sent them all required documents to prove that I have paid the last payment on my XXXX   XXXX account before the end of the period, and I should not be charged all those interest charges, it is done deal. 

I don't know whom to go to, or what to do, I have been with Wells Fargo for so many years and I have been loyal to this bank, I am tired of contacting the bank with no action from their side, please convey my message to them, I can't afford a lawyer to sue such a huge entity and the amount is not that big to the lawyers to take my case, I just need this agony to be over with.

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 2019-05-04
Company: Fidelity National Financial, Inc
State: AZ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
at the end of last year the cellar informed me that her husband had deceased and Fidelity National was holding funds for my payments to her until they could verify that she was the new recipient for this account please note that I've never been late on a payment and I tried 2 get a clear and decisive answer from this company and never could get a clear answer on what was going on with my money that I was sending 4 payments on this mortgage they cancelled my automatic payments at one time and I still couldn't get a clear answer of what was going on so for my protection I put a stop payment on their automatic payments going to them for this payment on the mortgage and sent the payment directly to the seller in the month of XX/XX/2019 and now all the sudden they show a non-sufficient fund for payments on my credit I have called them since then and the guy that I spoke to said that they would straighten it out and remove that non-sufficient funds I have also remove the stop payment from my checking account so that they can receive payments automatically again I just did that this week on my last statement from XXXX they showed that my interest that was applied to this mortgage payment last month was double of what it should been and I asked them to straighten that out to please note that they are not carrying this note for me they are not my lender the seller is carrying the note they are only supposed to be handling my funds and making sure that the seller gets the money that I pay for these mortgage payments I noticed on my credit report from XXXX that it shows that there has been something reported oh my credit that has to do with my mortgage payment a my mortgage payment should not even be acknowledged with the way it's set up through this company since the seller is the one carrying the note can you please look into this for me and straighten out this thing that has been reported to my credit that's a negative it's made my credit score go down 47 points and it's not fair to me they are the ones that was not disbursing funds to the seller as they should and I did what I thought I needed to do to make sure that the seller was getting her payments thank you very sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Me and my girlfriend have a joint account her tax return was deposited and as soon as it was deposited the bank siezed XXXX from the account that was not my money it was hers from her tax return and the said it was to pay off my debt on accounts that had nothing to do with her. I called to talk to the bank today they said if I called to file a payment arrangement when it closed then this wouldnt happen but when I called when they closed my accounts originally they said I couldnt do payment arrangements I had to pay it in full so I didnt cause I didnt have it at the time. When I talked to them today they didnt care if it was my money her money or some stranger that I was listed on there account they would of taken the money regardless and thats not right for them to take her money or anyone elses just cause I have access to the 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 monetary relief
Consumer complaint received 2017-10-31
Company: Experian Information Solutions Inc.
State: IN
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:
To whom it may concern, I contacted Experian, and spoke with a representative on XXXX/XXXX/XXXX, regarding some disputes that I had. I did have some personal information updated. I also wanted to dispute the following inquiries : XXXX XXXX XXXX ON XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX ON XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX ON XXXX XXXX XXXX ON XXXX/XXXX/XXXX XXXX XXXX XXXX ON XXXX/XXXX/XXXX XXXX  XXXX ON XXXX/XXXX/XXXX XXXX XXXX ON XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, AND XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX ON XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX  ON XXXX/XXXX/XXXX XXXX XXXX  XXXX XXXX/XXXX/XXXX XXXX XXXX  XXXX ON XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Due to the XXXX XXXX XXXX I obtained a copy of my credit file, I was concerned about my report and history. I reviewed a copy of my report, which showed several inquiries that were not factual, and that I had no knowledge of. The representative informed me that I was unable to dispute any inquiries on my file. However, According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ), it states that any information can be disputed, and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that the agent refused to allow me to dispute these inquiries on my credit report, I assume that there was, nor will be any investigation into the matter. I plan to purchase a home near the beginning of the year, and having this many hard inquiries on my credit report displays a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original despite for hard inquiries that do not belong to me. I did not sign any document allowing these inquiries. I feel this is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

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 2021-10-26
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
over the last year i have received between 1-4 phone calls a day from a debt collection company called navient. the specific number they call from is : XXXX XXXX no one in this household has ever done any business with navient. we are neither in student or any other kind of debt. they have no legal reason to be calling us. 

when i unblocked their number & answered the phone, there was only a computer voice on the other end. i have tried writing to them, but got no response. ( navient does not offer an email on chat line to communicate with them. ) at this point i have no other choice but to ask my government to get them to stop the harassing phone calls. 

i dont know if navient is phising or my number has been somehow stuck in their computer system for the last year. but in either case, they should not be allowed to continue using harassing tactics in trying to collect debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: CITIBANK, N.A.
State: NJ
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:
These are all the hard inquiries that I did not give permission to companies to run. 

XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX/XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation