BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-18
Company: EQUIFAX, INC.
State: NY
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 was a victim of fraud while in college XX/XX/XXXX-XX/XX/XXXX there were 8 credit cards opened in my name sent to addresses 80miles from my college I never rec 'd nor used these cards they were even paid on I never had a bank account I have called the original creditors they agreed they were not sent to my DORM or paid for by a bank account in my name I diputed with all three credit reporting companies sent police report FTC report proof of address at time these cards were opened .. ( I never lived where they were sent ) XXXX and XXXX removed this fraud Equifax has not and will NOT block the fraud even with the police and FTC report they received. Please help me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-24
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:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX  that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report 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 non-monetary relief
Consumer complaint received 2017-09-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Get OCC involved. Needs to be placed on US treasury DO NOT PAY LIST. 

scam artists who- lie to me do not enter my data correctly have multiple computer failures have XXXX issues -retaliate against veterans and XXXX veterans -seize asset wo US GOVT permission refuse to allow customers to wire money to another account refuses account access to check funds -are in TEXAS and repeatedly CON other veterans refuse to open credit lines when thousands available for the line bc they " cant put you as a citizen '' in the computer

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: JPMORGAN CHASE & CO.
State: TX
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 believe Chase Bank in adjusting the credit limit on my card did ultimately was racially motivated and did so without a full and thorough review of the account. Over the course of the 5 plus years of being a Chase customer their listed reasons for reducing my credit limit have been in play but yet they never reduced my limit previously. I believe Chase may have a practice of reviewing the accounts of minority customers and making these adjustments randomly with no consistent usage of their own internal rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: DISCOVER BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I was expecting for a check that I never received, because someone stole it. 
I called the two banks, and no one takes responsibility, the Discovered Bank said I have to call XXXX and the XXXX that I cant make the claim I can not understand how the back could cash it with out my ID or signature on it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
This is what they do to there customers over a disputed charge? XXXX XXXX and 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 non-monetary relief
Consumer complaint received 2023-08-16
Company: Block, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I transferred XXXX to my cash app card to use at a later date.I chose to connect my personal checking account to pay my friends and family but cash app tells me through a default they can choose to ignore my request that my friends and family be paid from my checking account and make a payment if they choose from my cash app card that only have funds when I load money on it. But I thought that I chose how the money I load on it is spent! But they spent XXXX of the XXXX I wanted to use for something else and paid my friend with it, when in the past a payment was always withdrawn from my checking! How can I get them to honor my wishes and mind their business and not use a DEFAULT to do what I don't want

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
name address and account numbers all not mine listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, VA XXXX SINGLE FAMILY XXXX XXXX  XXXX  XXXX XXXX, VA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, VA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX XXXX, VA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, VA XXXX SINGLE FAMILY XXXX XXXX  XXXX  XXXX, VA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, VA XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX XXXX, VA XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, FL XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX XXXX, FL XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, VA XXXX SINGLE FAMILY XXXX  XXXX XXXX  XXXX XXXX, VA XXXX XXXX  XXXX  XXXX XXXX XXXX # XXXX  XXXX, VA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, VA XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, FL XXXX SINGLE FAMILY show tooltip button XXXX  XXXXDispute XXXX   XXXX XXXX  XXXXDispute XXXX  XXXX XXXXUnder Dispute XXXX  XXXX XXXXDispute XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Auto loan on behalf of XXXX XXXX XXXX OF XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX Inquired on XX/XX/XXXX Auto loan on behalf of XXXX XXXX XXXX OF XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX Inquired on XX/XX/XXXX Auto loan on behalf XXXX  XXXX XXXX XXXX OF XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online Soft Inquiries Soft inquiries are usually initiated by others, like companies making promotional offers of credit or your lender conducting peri

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: CrossCountry Mortgage LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I Made my Mortgage payoff on XXXX XXXX XXXX with crossCountry Mortgage, LLC.Three weeks later I was due to receive my escrow check, which has not happened despite having called several times abaut it.So far I ha e not recei ed a concrete answer, XXXX  XXXX evasions and justifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: NAVY FEDERAL CREDIT UNION
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I wanted to refinance my home due to the covid situation and consolidate debt from medical bills and other. I started the loan in XXXX and was very excited that Navy Fed was going to help me more since I'm a vet and 50 % XXXX. I started the loan got everything done the home was appraised for a good value then waited. In XXXX I tried to contact and had much difficulty getting a response. Finally they said it will be done by mid XXXX. At that time XXXXXXXX XXXX  offered me a forbearance option which I decided to take just to make things easier over the holidays. Well in XXXX they changed my loan person because he was taking to long promised to expedite this loan. This went to under writing multiple times and they have pulled new credit checks on my credit and continued to say there was issues because of the forbearance. I offered to just pay it off so we could move forward but they said don't worry it will be done in a few days. Now they say my appraisal has expired and they have to order a new one which has cause me much stress and XXXX XXXX wants to know my plan for paying them. Is this normal for Navy Fed? I have many emails but don't want to upload them unless you feel something can be changed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: CITIBANK, N.A.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2020 Best Buy corporation promised to pay me {$390.00} as compensation for their pathetic service regarding my purchase of {$4300.00} of appliances from Best Buy. Essentially every thing that could go wrong with the purchase went wrong so Best Buy promised to either credit my account or send an AWARD certificate in the amount of {$390.00} as a compensation for pathetic customer service. 
A case number was issued by Best Buy which explains the details and it is XXXX. 
I was told that I would have my compensation within XXXX business days. I have called Best Buy 3 times and get nowhere. Frankly now I want more compensation for all the wasted time I wasted trying to get this matter resolved over the phone.Their service is pathetic.

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 2021-04-06
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
To : Consumer Financial Protection Bureau Consumer Finance Date : XXXX XX/XX/XXXX Re : FRAUDULENT ACCOUNT CLOSINGS I had XXXX accounts at WELLS FARGO fraudulently closed on XXXX XX/XX/XXXX. 

All jointly owned with an elderly friend and companion of XXXX-year plus relationship, 2a brokerage and a savingswere primarily held by me, having been set up in Fall XXXX, a year-plus before I met her. The other 2, a checking and savings, were hers in origin. The closings were initiated by a recently assigned conservator, XXXX XXXX XXXX of XXXX Minnesota, without my being consulted, and the proceeds from the closings, in the form of a Cashiers check, are untraceable, apparently. The friend can not have been part of the scheme, I am certain, by virtue of her mental state and the murky circumstances of the transactions. The varying primacy in holding, moreover, reverses the customary sense of joint ownership into an unequal partnership which should mandate the pre-eminence of the primary holder in critical transactions involving the accounts. That at least was my understanding from inception, and it would deter me from ever tampering with those 2 accounts of hers of which she granted me co-ownership, not to mention my absolute lack of material need for doing so.

Upon email notification of the closings, I promptly alerted the Bank to the fraud, in painstaking exposition. Perfunctory acknowledgment aside, there has been no substantial executive follow-up, despite my repeated dire summons and reminders in the intervening weeks, and I am beginning to suspect complicity between bank staff and client in the dirty transactions. Which has me appealing to your agency. I shudder at the specter of having a beloved, XXXX and XXXX XXXX XXXX-year old thrust into corrosive litigation ensuing from the fraud. I had hoped Wells Fargo would help to avert it. 

I will readily forward, upon request, background material in the guise of e-correspondence. Your grasp of the matter should be facilitated thereby, to say little of the economies in time and effort otherwise lost from a fresh piecemeal lowdown. 

The related Wells Fargo case number is : XXXX, and the Case Managers telephone number is : XXXX. From the last check-up with customer service ( XXXX XX/XX/XXXX XXXX the case had been placed in limbo as of XXXX XX/XX/XXXX pending re-assignment, this in utter disregard of the reiterated fact that I can not currently pay due bills because my active checking account, extremely lean in value, has long been linked to the closed savings one in a portfolio. I am appalled at the insensitivity. 

Thanks for your attention. 

Sincerely, 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 2021-04-06
Company: Experian Information Solutions Inc.
State: NY
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 two unauthorized hard pulls on my credit 1. 
XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXX Never authorized 2.XXXX XXXX Inquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXX Never authorized

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 2021-04-06
Company: Armcon Corp
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: Public record information inaccurate

Complaint:
In XX/XX/XXXX, I was notified that Mr. & Mrs. XXXX XXXX XXXXXXXX assigned their Judgement over to Coachella Valley Collection Service ( see attached Stipulation For Entry Of Judgement dated XX/XX/XXXX, Acknowledgement of Assignment of Judgement dated XX/XX/XXXX, Correspondences from Coachella Valley Collection Service dated XX/XX/XXXX and XX/XX/XXXX. 

A few weeks ago I came across an article that stated the 3 credit Bureau 's back in XXXX decided they would no longer report Judgements against individuals credit reports. I have provided XXXX, XXXX  and XXXX the same data and have open disputes showing the collection account as reported by Coachella Valley Collection Service is actually a Judgement and should not be reported against my credit reports. The first report decreased my FICO score which ruined my credit as I can not refinance my condo, get a personal loan or a credit card with a $ XXXX credit limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Am receiving approx 4 phone calls a day. This company has also called family members with the threat of legal action. Today I received a pre legal notification from this collection company. I have not received credit from them, nor have I requested this service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I OPTED OUT OF SHARING MY INFORMATION AND TELEPHONE NUMBER, I'VE BEEN WITH DISCOVER CARD FOR A FEW YEARS NOW AND THEY BROKE MY PRIVACY POLICY, I CALLED DISCOVER SEVERAL TIMES AND THEN CALLED THEM AGAIN ON XX/XX/2019, THE CUSTOMER REP EXPLAINED TO ME THAT SOME CALLED IN AND REQUESTED THAT MY TELEPHONE NUMBER BE SENT TO OTHER COMPANIES. I REPLIED BY EXPLAINING TO HER THAT I NEVER EVER AUTHORIZED ANYONE TO CALL YOU AND REQUEST MY NUMBER BE DISBURSED TO THESE COMPANIES. THEN I CALLED DISCOVER CORPORATE AND FILED A COMPLAINT WITH THEM REGARDING MY TELEPHONE NUMBER AND PERSONAL INFORMATION BEING GIVEN TO THIS INDIVIDUAL THEY SAID CALL IN AND REQUESTED ALL THIS INFORMATION. I NEVER EVER CONSENTED OR AUTHORIZED ANYONE TO CALL DISCOVER AND SOLICIT MY PERSONAL INFORMATION. THESE ARE THE NUMBERS THAT ARE CALLING ME 24/7 DAYS A WEEK : CLAIMING THEY ARE DISCOVER THEMSELVES AND I'M IN GOOD STANDING WITH DISCOVER : 1 ) XXXX THEY DISCONNECTED AFTER I CALLED. 2 ) XXXX 3 ) XXXX 4 ) XXXX XXXX ALL NUMBERS CLAIMING DISCOVER GAVE THEM MY INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: Experian Information Solutions 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:
XXXX did n't use proper security in order to protect my credit information from being stolen. I now have to spend {$10.00} dollars at every credit reporting agency to freeze my credit and because of my states laws {$12.00} dollars every time I unfreeze my credit report. I 've lost Time + Income due to this malfeasance, this is something I have no power over.

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 2023-08-25
Company: WELLS FARGO & COMPANY
State: KS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-07-06
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2020-12-12
Company: EQUIFAX, INC.
State: NJ
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 sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorize on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notice in the mail that I owed money to an emergency room called XXXX XXXX XXXX XXXX XXXX. I tried calling the company at the address listed and its actually listed XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX, TX XXXX. Another emergency room is at this exact location listed and called XXXX XXXX XXXX XXXX in XXXX, TX. The phone number is XXXX and I talked to XXXX who verified no record of me in their system. The phone number listed under XXXX XXXX XXXX XXXX is XXXX. I called this number and it rang for several minutes with no answer and eventually stopped ringing. I just received this notice today, XX/XX/2019 and letter is dated XX/XX/2019. There are no dates of when the amount was charged under my name. The letter claims it was placed by CFSI for collection by XXXX XXXX XXXX. I have not been to the hospital in the last year and I have not been in XXXX for almost 7 years now. The amount they are requesting is {$180.00} and offered to take it off my credit history for {$140.00}. I do not have insurance and only visit low income/free doctors in the XXXX area. I suspect this is fraudulent activity since the addresses and phone numbers do not match up. The company attempting to collect this debt is called Common Wealth Financial Systems, XXXX XXXX  XXXX, XXXX, NC, XXXX phone number XXXX.

Company response to consumer: Closed with explanation