BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-19
Company: WESBANCO BANK, INC.
State: OH
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:
Last week, on Wednesday, XX/XX/2019 this bank ran our credit - sought a credit report - and they were not approved to do so. 

We gave permission for XXXX and/or the local XXXX dealer to provide financing ; but did not authorize any other party or another third party to have access to our information/credit. 

XXXX XXXX XXXX in XXXX, OH gave these companies permission to run our credit, but we did not authorize that ; nor did we expect that to happen. 

We were told XXXX would be our lender, but I guess they couldn't match what our bank offered us and they looked and looked for someone that would ; but failed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: Navient Solutions, LLC.
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Ive gotten between one and seven calls, usually leaving automated messages, every day for months. Ive had to pay for a service to block the automated calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: WELLS FARGO & COMPANY
State: OH
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:
Last week, on Wednesday, XX/XX/2019 this bank ran our credit - sought a credit report - and they were not approved to do so. 

We gave permission for XXXX and/or the local XXXX dealer to provide financing ; but did not authorize any other party or another third party to have access to our information/credit. 

XXXX XXXX XXXX in XXXX, OH gave these companies permission to run our credit, but we did not authorize that ; nor did we expect that to happen. 

We were told XXXX would be our lender, but I guess they couldn't match what our bank offered us and they looked and looked for someone that would ; but failed.

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 2020-08-28
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX {$2300.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX  XXXX XXXX {$22000.00} XXXX   XXXX  XXXX {$440.00} XXXX XXXX {$1500.00} XXXX XXXX {$2000.00} XXXX  XXXX {$1100.00} XXXX XXXX {$830.00} XXXX XXXX {$5400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello, Recently My wife I have been the subject of fraudulent charges and checks on our Chase Checking and Savings Account. 

The claim in particular I would like to settle and request further action is in regards to an {$1800.00} XXXX Transcation that was done with a stolen Debit Card. Chase issued a credit to our accounts, transferred this credit to our new accounts with the  provided information and inclination that all fraud inquiries were done in order to transfer money out of frozen accounts to bad accounts. Then, they reverse their credit decision and take back {$1800.00} from our accounts. 

On XX/XX/XXXX someone used my debit card to make an {$1800.00} XXXX Purchase. 

This was reported as Fraud to XXXX on XX/XX/XXXX A claim and inquiry was taken and issued on XX/XX/XXXX for the transaction. 

A temporary credit was placed in our Frozen Checking Account on this date as well XX/XX/XXXX. 

Both our checking account and savings account were frozen by Chase, and all funds in those account were frozen as well on XX/XX/XXXX. 

As a result, my wife and I opened up two new accounts with XXXX on XX/XX/XXXX with  borrowed money from family. 

The freezing of the Accounts Continued until XX/XX/XXXX. 

On XX/XX/XXXX, the credit of {$1800.00}, along with {$70.00} remaining from our old now closed accounts was transferred to our new accounts. 

On XX/XX/XXXX, we received word that Chase has concluded their research and has found that the claim is invalid, and that the {$1800.00} XXXX charge will stand On XX/XX/XXXX, XXXX reverses {$1800.00} credit and removes it from our Checking Account. 

At the moment, I am going back and forth with Chase to provide their research findings. 

I am beyond upset that the bank not only reversed their action, but took back the claim credit. 

On XX/XX/XXXX Chase stated that our old accounts would be closed and available funds would be transferred to our new Accounts as soon as all Fraudulent Activity Claims were researched and Finalized. On XX/XX/XXXX we receive funds from our closed accounts, including the {$1800.00} from the XXXX Transaction. Chase reversed their claim, and took back the credit they gave us for this Fraudulent charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: GMA Investments, LLC
State: NE
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
There are repeated calls made from different phone numbers. I have tried to set up payment that are affordable but they refuse to work with me they want a bank account, or credit card which we don't have. they are contacting our place of employment and telling them that it is a legal matter and they are harassing them also which I have advise them that we can lose our jobs because of the calls they continue to do. the rep is always threatening legal action wont tell us anything blames everything on us will not work with us and is then telling us just before he hangs up good luck then. every time we talk to this rep he threatens us with legal action and will not setup any sort of payment arrangement. then the last voicemail I received was something about an nsf check I am not sure what that is but again he threaten to take me to court. there are to many dates to put in here they call all day every day and you can not block any of the numbers because they use different XXXX numbers to call us I only have a XXXX number to call back

Company response to consumer: Untimely response
Consumer complaint received 2018-04-04
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
This is regarding my XXXX Inquiry on XX/XX/2017, this complete unauthorized inquiry and not have my permission, please look into issue and remove it from my credit report from Equifax as soon as possible. they are not responding to my inqury.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chase, could you please explain why you closed my checking and savings accounts?! It is crazy you close a customer 's account without a legitimate reason. I can not think of any reason because I've done nothing wrong. All I can guess are possible three things :. At the end of 2018, my balance on other banks ' credit cards is a little higher than normal ( about 30 % of the total credit lines ). This caused Chase to close all my Chase credit cards ( All my other banks ' cards were not closed at all ). Isn't it ridiculous? After I paid off the balance, I called Chase to reopen my accounts. Chase told me the reopen request must be filed within 30 days of account opening and since that day I called was the 32nd day, my accounts can not be reopened. I've never opened any Chase card because I heard other people say if Chase closed your account then you are on Chase 's blacklist and if you open a new account it will be closed. Several months later I closed my Chase checking account because I was disappointed with Chase.. Three months ago, I opened checking and savings accounts because there is a bonus offer of {$300.00} for checking and {$300.00} for saving. I opened my accounts online and deposited a check from my other bank of {$15000.00} in-branch to meet the {$300.00} offer requirement for the savings account. My credit score dropped a lot last month because I had a large balance. But now I've paid off it and my score has recovered to over 800. 

If is the reason this time you closed my checking and savings account, could you please tell me how many years you put me on your blacklist? Since I am receiving your credit card flyers from time to time. I do not want to waste a hard inquiry, applied, approved, and immediately closed again by you. If is the reason, is it because I deposited more than {$10000.00}? If you think deposit high amount is dangerous, why you make the bonus offer of depositing {$15000.00} and keeping it for 3 months?! If is the reason, please explain why credit card balance affects checking and savings account?! No matter,, or, none makes any sense to close my account. I've never encountered any other bank as crazy as Chase. Please give me the reason why you closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: CITIBANK, N.A.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I am a federally protected consumer and BestBuy has violated me under the provisions of 15 USC 1692 and 15 USC 1681. Please review attached documentation.

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 2019-03-19
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
This issue that I am writing the CFPB about concerns a Balance transfer upon opening a revolving line of credit with the financial institution HSBC. 
HSBC supplied checks for the purpose of balance transfers and other purchase options. I filled out a check for a balance transfer on XX/XX/2018. Said check posted to my new HSBC account on XX/XX/XXXX. 
I checked the balance of the account that the check was intended to cover and found that the balance had not yet reflected as paid. I called the institution and inquired as to why my account was not reflecting the XXXX balance as it should and they informed me that they had not received a check. Maybe they had not applied it to the correct account? They requested that I supply a check # and routing info and they would check. 
I contacted HSBC to acquire the information requested of the other financial institution. After more than one call asking for this information I finally received a copy of the check. 

The issue at hand is that after confirming that my previous financial institution did not receive the check, and confirming that the address was indeed correct for the location at which they should have received said check. They admitted that I was the victim of fraud and that I should dispute the transaction. 
Here is the problem that I need direction on. HSBC says that there procedure for this concern is that I am to walk into a Brick and Mortar location and fill out an affidavit and then they will reverse the transaction making me whole again. 
Unfortunately the closest physical branch is in XXXX XXXX California and I live in XXXX XXXX XXXX Utah. 
On multiple occasions I tried to escalate my issue up the management chain to find an optional method for resolution. After speaking with multiple representatives that obviously work in a call center based in another country with very thick accents repeatedly telling me to walk into a branch location and then promptly hanging up on me I am reaching out to the CFPB to get some further assistance with customer service options. 
I even tried to call Physical branch locations to speak with a US based banking representative, Unfortunately all branch locations local U.S. # 's direct you right back to the call center to route or screen your concerns. 

I am now on the hook for {$2500.00} dollars twice. This is not acceptable and I would like a fair resolution outside of obtaining legal representation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05
Company: EQUIFAX, INC.
State: TX
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 have submitted disputes by certified mail on XX/XX/20 and XX/XX/20. I requested verification of their investigation and only received credit reports with no changes. I notified each creditor that was disputed and was told each time that I needed to contact credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
My Capital One account was opened in XXXX and continues to be open today. In XXXX of XXXX, I received a letter from Capital One stating I was 90 days past due on my account. I paid off the account in XXXX of XXXX with a payment in excess of {$8300.00}. Since XX/XX/XXXX, only monthly subscriptions were charged to the account and I continued paying the small bills. My credit was very high ( XXXX ) in the beginning months of XXXX, however, this has destroyed my credit and needs to removed immediately from my credit file. I called Capital One in XXXX of XXXX and asked for an explanation as to why I hadnt received any bills in the mail until I received a 90 day delinquent notice. I was told by the representative that I had changed my billing to electronic. This is a complete falsehood. I never opted to receive my bill electronically and I asked the representative to tell me what email they have and she stated they had XXXX. I never received or responded to any email from Capital One stating that I wished to change my billing preferences. I would like Capital One to produce the correspondence showing that I elected to receive my billing statements electronically. If that can not be produced, I believe that Capital One should remove this derogatory information from my credit file with all three agencies. Additionally, I hired XXXX XXXX to try and rectify the situation and it didn't seem to fit any of their pre-determined categories. I wasted over {$300.00} with their service. I never changed my billing preferences and never received a bill to pay until I received a 90-day letter in XX/XX/XXXX. My account was paid in full immediately after receiving the letter in XXXX of XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: Experian Information Solutions Inc.
State: TX
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:
Whom it may concern : I have submitted three ( 3 ) separate qualified written investigation requests ( months XXXX & XX/XX/XXXX & XX/XX/XXXX ) to Experian. I have request that, as required under FCRA section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ), provide copies of any original documentation be provided as verification. Experian has failed to provide the method of verification as required under Section 611 ( a ).

Experian has not only failed to provide verification ( written documentation of proof of contractual obligation, they have also refused to investigate all of the tradelines or credit reporting to my credit that was listed on my investigation request, often completely ignoring my XX/XX/XXXX written investigation request and investigation tradelines that I never requested. Experian updated some of my request for investigation as verified but refuses to provide documents on how it was verified although I have requested in my written investigation request numerous accounts. I have attached proof of my investigation sent along with my certified mailing receipts.

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 2020-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On Monday, XX/XX/2020 at approximately XXXX CST I made a call to Bank of America about the current APR on my cash rewards card ( 16.99 % ). The advertised APR range for the card is 13.99 % -23.99 %. During the call I explained that I was looking to receive a lower interest rate on the card as I have been a customer for a number of years with perfect payment history. 

The customer service representative indicated that the interest rate available was consistent with the national average, rather than based on my current customer and payment history. He indicated multiple times that the rate was 'fair and consistent '. I asked if that meant my current interest rate was fair and consistent with others who had the same card for a similar length of time with a perfect payment history. He indicated he was not a computer and could not confirm this. If this can not be confirmed why would this be communicated multiple times to the customer. 

What was most alarming during the conversation was that the customer service suggested having my account sent to a collections agency to help with my goal of paying off the debt. I was outraged. Why would a financial institution suggest a customer have their account sent to collections? A customer who has never missed a payment or never made a late payment. When I called the agent to the carpet for suggesting a practice that would negatively impact my FICO score and credit he shrugged the suggestion off as if it were no big deal that he would suggest this option as a viable means to paying off debt when I called to inquire about a lower interest rate. 

When you search the Bank of America Cash Rewards card 13.99 % APR is the lowest interest rate listed in advertisements, it is also the lowest APR listed on all credit card statements and card details for current customers. This rate should not be listed if it is not available for customers. I say this because when asked what a person has to do to qualify for this lowest rate, there were no there were no answers available, no tangible factors for receiving the 13.99 rate.

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 2018-06-29
Company: Ceannate
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: Account information incorrect

Complaint:
I contacted the Department of Education in an effort to verify that the information being reported on my credit report was accurate back in XX/XX/XXXX. I have sent several letters asking for proof ( with my signature ) that the amounts they are requesting be verified. They have sent letters back and included an e signature on a promissory note. They garnished my income tax last year and this year. This years garnishment was done in XX/XX/XXXX which totaled {$6900.00} I just pulled my credit reports onXX/XX/XXXX and they are still showing that the balance that I owe DOES NOT reflect that anything was paid towards the balance. In other words prior to XX/XX/XXXX my balance that they said I owed them was {$12000.00} and upon pulling my credit report on XX/XX/XXXX the balance still shows that I owe them {$12000.00} which is incorrect. As of today XX/XX/XXXX I  logged into my debt summary for the Department of Education and it shows that I only have a total of {$6200.00} in student loan debt. This inaccuracy on my credit report is causing a drastic problem with my scores and I need them to report accurately and remove this debt totally from my report!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I take VERY good care of my credit score and monitor it weekly. There are two HARD pulls on my credit, neither of which I authorized or had knowledge of. One, an online retailer - XXXX XXXX that I've had an account with for over a decade, with charges usually less than {$100.00} and which I have attempted repeatedly to get them to remove this hard pull, to no avail and the other from XXXX, a network cable company that I do not have, have never had and certainly NEVER allowed to do a hard pull on my credit. 

I wish to have both of these removed from my credit report as they are both without my permission or knowledge. I did not request credit from either of these businesses, and I have since cancelled any association with XXXX XXXX. A hard pull must be by permission of the individual ONLY and us usually reserved for large purchases only. 

I've done my homework and neither one of these places are working within the law in this instance. 

Thank you, 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