BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been disputing with XXXX XXXX all of 2017 with Experian and even when I provide proof that company did n't have the correct information regarding their ownership of the debt or provide anything, Experian still marks it as verified.I also reported company to the CFPB and XXXX XXXX still fails to remove the negative information they have off my credit report.When I called Experian over the phone within the last few days they admitted that they do n't verify the account themselves they use a third-party.But never sent me any proof that they actually did the foot work

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 2021-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
XXXX XXXX is reporting a charge off account and payment history past the closed and paid in full date. 

XXXX XXXX Closed XX/XX/XXXX the balance is {$.00} however they are reporting that the account charged off in XXXX I attempted to contact the creditor but was told the information is correct. The account was closed with a zero balance in XXXX and could not have charged off in XXXX because there was no balance. Please assist me with reporting the account accurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: JPMORGAN CHASE & CO.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried numerous times to resolve this matter with Chase Bank. I have made at least 2 dozen  telephone calls ... .sent 2 different certified mail packages that included all documents in my defense ... I have gotten nothing but the run around ... .now my mortgage went to XXXX XXXX XXXX and they can not help me in any way find out information on these corporate advance charges ... .nothing but the run around.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Back Story : I posted my furniture ( dining room table ) on XXXX 's list to sell. A guy reached out to me to buy the furniture. He said that he would give me a cashier 's check with the amount of money for the furniture and additional to pay the mover 's who were coming to take the table. When I received the check, I cashed it in on wednesday, XX/XX/2019 to my bank of america mobile application. The supposed moving company asked if I could transfer the money to their account using XXXX application, which is available on bank of america 's mobile application. I am a student, so I didn't have the money to give until I deposited the cashier 's check.I deposited and sent the transfer on XX/XX/2019. The cashier 's check was showing as cleared and available on XX/XX/2019. On Thursday, XX/XX/2019, there were some complications with sending the transfer, so I called the bank and they has said that it would be a few more hours before the check will be made available. Then, on Saturday, XX/XX/2019, I found that my account had overdrafted because the cashier 's check had bounced and the money transferred were taken out. I called bank of america that morning, and they stated that the cashier 's check was counterfeit and that they could not do anything because I had authorized the transaction. I also called XXXX to report the fraud and they also said they were not responsible. 

My complaint : I do fully understand that I had authorized the transaction to occur, but it was under the premise that I had the funds in my account. I had also called Bank of America because there were complications with transferring the money ( when I had called I did not know that it the cashier 's check was fake ), and they said that it would just be a few more hours to process it. I do not understand how I could authorize a transfer if I do not have the sufficient money in my account. Further, both Bank of America and XXXX, both stated that they are not liable, but this application is available to use without adequate protection or clear liabilities to the consumer. They both direct you to a FAQ section stating that they are not held reliable, but I feel this should not relieve them from the obligation to protect consumers. I thought I was sending the money to another verified bank 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 2018-01-24
Company: I.C. System, 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: Old information reappears or never goes away

Complaint:
Last year in 2017 I disputed with XXXX and XXXX regarding a account I.C. Systems after I sent a written Dispute and it was later removed from my credit report.This morning I get a alert from XXXX XXXX that the account reappears on my credit report after it was deleted.This false information has affected my ability to obtain credit

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 2018-01-24
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: Account status incorrect

Complaint:
On my Equifax credit report it is showing two collection accounts. I have made them aware on two different occasions that the contract was cancelled for these two collection accounts. They state that the accounts belong to me, but when asked they were not able to produce a contract that shows I 'm responsible for those payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have already filed a complaint ( complaint # XXXX XXXX Bank of America responded to that complaint and awarded me {$2700.00}. In their answer to the complaint, they said that when the fraud investigation on my savings account was completed ( Claim # XXXX ) a cashiers check would be written and the account closed. But as of X/XX/2018 Bank of America told me that since my savings account is closed, Bank of America online claims department can not provide the funds in my account to the fact that the Bank of America RISK Department closed my account already, therefore, making me ineligible for the XXXX fraud liability and having my money placed back into my account. I have documentation to prove that the fraudulent transfers were, in fact, fraudulent due to the fact that the Bank of America Debit Card/ATM awarded me those funds that were stolen from me, therefore, proving by Bank of America 's own investigation that the transfers that were made were fraudulent. Bank of America is still holding me 100 percent liable for service charges. transfers fees, overdraft for all three of the claims.

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 2018-12-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has contacted me several times to collect on 2 accounts that are listed on my credit report as derogatory items. 
They have indicated that the original creditor is listed as XXXX XXXX and that they have purchased these accounts. 
I have requested Verification of the original debt, as I do not believe that these are my accounts, as I currently have 2 XXXX XXXX Credit Cards That Are In good standing. 
They have sent me a letter verifying that these accounts were purchased from XXXX XXXX, and that they have the right to collect them. 
To this date, I have NOT Received verification that the original debt purchased belongs to me. 
They continue to call, even though I have asked them not to contact me again without verification of the original debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-12
Company: Caliber Home Loans, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Back in XXXX of XXXX I submitted a prior request to your office. My XX/XX/XXXX mortgage payment was reported 30 days late in error. At that time, the company did admit an error with their system, the payment I did in fact make online on XX/XX/XXXX was delayed in posting to XX/XX/XXXX by their own admission and agreed to take it off and they did. Subsequently the error was corrected and the complaint closed. Then a year later, they go back and reported it again late after not even servicing this loan since XX/XX/XXXX when it transferred to XXXX. I immediately called them on 2 separate occasions this year and Caliber on each occasion stated yes it was an error and that per RESPA laws you can not report a payment late within 60 days of a transfer to a new servicer. I reminded them of this prior complaint with your office and was reassured that it would be corrected once more. It still has not happened. At this point I would like them fined. They can not keep changing my reporting or refuse to correct their system error. It is in writing that it would be corrected. It was and for whatever reason a year later after not even having the loan, they reported the payment again late despite the admission of their system error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
On several occasions since XXXX 2017, I have worked on my credit profile to obtain a mortgage, Ive contacted Transunion and sent numerous documents in supporting wrong, incorrect, and receipts showing their reported balances are wrong, as well as dates reporting, I have contacted their customer service department and been transferred to the special handling department once they put fraud alerts on my file without my consent or asking, and then I contacted, by phone, mail, and email the executive consumer department of Transunion to get matters cleared up, sending countless faxes, email documents concerning a wrongly reported bankruptcy ( old aged ), a requested by creditor deletion, XXXX XXXX, ( old aged ) and as well as Ive paid 5+ credit cards to XXXX and they refuse to correct or report, they sent me a letter stating if I did not stop asking for corrections by the means I used they would delete my credit file from database, basically threatening me, to stop trying to correct their mistakes. I am at the point Ill take this letter to the courts and ask to file a case against Transunion for any applicable reasons herein as theyve intentionally mis reported, neglected request from creditors, refuse to remove old aged derogatory accounts as following the FCRA and are in direct violation of XXXX laws protecting consumers.

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 2018-01-24
Company: WELLS FARGO & COMPANY
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Wells Fargo deposited several checks from a company I did work for into the wrong account. The account the money was deposited into was in no way linked to me or my business nor did it match the name on the checks being deposited. There are roughly {$200000.00} worth of checks that I was paid by a company that the money is now missing. I contacted Wells Fargo and they said to contact the company that I did the work for. The company supplied the checks showing they had paid. But I never received the funds. Wells Fargo deposited these checks into an account with out a signature on the checks. There is only a printed name on the check. Also Wells Fargo did tell me over the phone that the account the money went into was not my account and did not have my name on it. I have attached the referenced checks. Yet Wells Fargo claims they have now responsibility for the money going into the wrong account and have not been helpful in anyway to correct the issue. Wells Fargo is the only one with access to both accounts and I do not know who 's account this money went into.

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 2019-01-19
Company: Bread Financial Holdings, Inc.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They called me early on XX/XX/XXXX, about XXXX from a blocked phone number. I called back to speak with a supervisor the same day after XXXX to put in a complaint they told me they can call from a blocked phone number as long as they tell me they are calling about a debt. When I asked wasnt that breaking federal law they told me someone in their compliance department told the supervisor, they werent in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On a rotating basis, I request my free annual credit reports from the 3 credit agencies every 4 months. I have no problems with XXXX and XXXX. For XXXX  and XXXX the online requests always work and I receive my free annual credit report without drama. Equifax on the other hand, fails every year. Every time I request my free annual credit report from Equifax the online request responds " Online Delivery Unavailable ''. I am 100 % certain that I answered the questions correctly. There was one question about a credit card I've had since the XXXX and the other questions had nothing to do with me. I answered accordingly. I am convinced that Equifax intentionally attempts to frustrate and deny the online requests because there is no money in it for them and they hope to force people to buy some of their products. The Consumer Financial Protection Bureau should take enforcement action against Equifax and force them to do what the law requires them to do - provide free annual credit reports when requested by consumers to do so. On XX/XX/2019, I sent Equifax a letter demanding they provide my free annual credit report. Enclosed with the letter was a copy of my Social Security Card and Texas Drivers ' License - the documentation that Equifax required. I've still not received my free annual credit report from Equifax. Equifax is flagrantly violating the law and inconveniencing consumers. Please force Equifax to immediately provide my free annual credit report as required by law. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12
Company: SYNCHRONY FINANCIAL
State: MD
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:
On XX/XX/2019, Received alert on my credit report someone had open account in my name. However, they used the incorrect information like my address they had given wasnt correct. PayPal, they have give my old address which I hadnt live there in ( 8 ) years. Contact PayPal, on XX/XX/XXXX and they verified my correct information and closed the account but yet its still on my XXXX  credit report as : XX/XX/2019 SYNCB/PayPal XXXX  XXXX XXXX XXXX XXXX MD XXXX. Contact them again on XX/XX/2019 had me on hold for 1 hour and 30 mins and did absolutely nothing they stated once I filed my complaint with them they would removed it off my credit report. I did send them an email request to close that account due to the fact it wasnt my account at all. Once I updated my address it and verified who I was she determined that it wasnt my account they did closed it and did send me an email. PayPal, is using customers information without any kind of verification when they open up these account and hit customers credit report with a hard inquiry which I want them to take responsibility and take it off my credit report.

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 2022-08-13
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Please note that this is not a duplicate complaint. This is regarding a different issue Bread Savings bank failed to follow the instructions for doing an ACH transfer and they try to steal the interest for their own internal decision making a delays. They declined to do a wire transfer for me and their website does not allow outgoing ACH transfers over $ XXXX. The only option is to call them and " request '' for an outgoing transfer if the amount is over $ XXXX. So here is what happened on a recorded line on Friday XX/XX/XXXX. This request was handled by XXXX. I was told that it would take 1 to 2 business days for them to process my phone request and they may either allow or deny the transfer. If it is allowed it will take another few business days to then do the transfer and for the funds to reach the destination account. I told him very clearly at least a few times that I do not want to initiate the transfer today and I would like me request to be submitted for Monday XX/XX/XXXX ( I do not want to lose the interest over the weekend ). He said if he sets up he request for Monday, they will tell me by either Tue or Wed if they are going to allow that transfer or not and if allowed funds will reach my other on Friday. He confirmed and sent me a secure message saying that he is setting up the request so that they will start processing it on Monday XX/XX/XXXX and nothing will happen before that. I have attached a proof of that. 

But to my surprise, when I logged in into my account later on, I saw that the funds had already been deducted from the account a few minutes after the call and the Current Balance was showing the amount after the deduction even though XXXX had assured me repeatedly on a recorded line and over a secure message that nothing is going to happen before Monday XX/XX/XXXX. 

So the current situation is that I have received no communication about the status of the transfer, dont even know if they will approve it or not. They already rejected a request to do a wire transfer. But they have went already gone ahead deducted the amount from my current balance and stopped paying interest on that. 

So XXXX things wrong here - why does the deduction show up on XX/XX/XXXX itself when the request was for to not even initiate anything before XX/XX/XXXX- why they deduct the amount and stop paying interest when the customer doesnt even know that they are going to allow the ACH transfer or not This whole thing sounds like a scam

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Seems like the CFPB is Not on the customer side but protects JPMorgan who kept my {$1500.00} Dollars. And CFPB have not even read the proposal thst the bank made which makes no sense. 

If I can't see my bank details online how shout I request the closing of my account and give my bank number if Chase blocks my bank details from being viewedl. 

I will get access to my money again. The company has to propose a fair solution that gives me access back to my account. This is discrimination and racism of foreign citizens who have ever opened a bank account in the USA. I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
When I struggled to repay this loan ( serviced by Navient ) after graduation, it defaulted and was forwarded to a collection agency, XXXX XXXX XXXX, XXXX in XXXX. I began making payments in the amount of {$250.00} each month without fail. To date, I have paid over {$14000.00}. I was offered a settlement by the collection agency for 50 % of the total amount - which has been paid. I have contacted Navient to discuss the resolution of this debt, and they have agreed that the {$14000.00} paid to the written-off debt is sufficient. Neither company will provide written confirmation. Additionally, Navient advised on several occasions that the co-borrower/guarantor, XXXX XXXX, would be released from his liability to the loan. In XX/XX/XXXX, XXXX XXXX was contacted by Navient and was inappropriately advised that the loan was active but past due. As stated previously, I am paying the loan on time each and every month to the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
So I can't reset my password to go onto myEquifax account as it gives me an error saying that my request can't be done at this time. I tried calling myEquifax to reset my password, but they give me an excuse that the password reset program is down. It has been a month and they still say its down, which is ridiculous at this point. I can't manage my credit freeze, which is a liability for me at this point.

Company response to consumer: Closed with explanation