BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-16
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I had a savings account with Chase Bank & they closed my account due to no activity that I was unaware of. After the date of " closed account '', I still had access to savings account on my online banking. I was able to transfer money to & from my savings from my checking account starting XX/XX/2020. I had {$5400.00} total in savings account before issues started to occur XX/XX/2020. 
XX/XX/2020 I made a online transfer of {$400.00} from my savings to my checking account & the next day Chase took back that {$400.00} which put my checking account negative. I called customer service & was told to go into the branch. I spoke with the branch manager about the {$400.00} taken back from me & at that time was informed that my savings account had been closed since XX/XX/2020. I showed the branch manager on my online banking that I had a balance of {$5000.00} in my savings aside from the {$400.00} I transferred out that they took back. 
The branch manager used my phone to transfer the remaining {$5000.00} from my savings to my checking account & said he would work on recovering my {$400.00}. A few days later the bank took the {$5000.00} as well. The branch manager then filed a complaint with the branch complaints escalation group for the missing funds. 
Days later I received a call from a lady in that complaints escalation group stating my savings account had been closed since XX/XX/2020 & that there was a glitch with online banking allowing me to still transfer money to & from savings account. I went through my account statements with her, as I did the branch manager, showing my transfers from my checking to my savings & that money was deducted from my checking & those transfers never bouncing back, the money was successfully transferred into savings. Three chase managers now have told me this is something they've never seen before, yet chase bank hasn't returned my missing {$5400.00} to me & says they don't know what to tell me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I called your department after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were CHARGE OFF accounts on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX and XXXX ). I have never with these accounts listed below, so please help me remove these charge offs, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my SS Number are all included in this written request. Please help me resolve this issue as soon as possible. 

Incorrect names and addresses : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, and XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX, Fraudulent accounts : XXXX XXXX XXXXXXXX Date Open XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Open XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Open XX/XX/XXXX Balance {$0.00}, XXXX XXXX Date Open XX/XX/XXXX Balance {$0.00}, XXXX  XXXX Date Open XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Open XX/XX/XXXX Balance {$0.00}, XXXX XXXX Date Open XX/XX/XXXX XXXX {$0.00}, XXXX XXXX Date Open XXXX XXXX, XXXX XXXX Balance {$0.00}, and XXXX XXXX XXXX XXXX Date Open XX/XX/XXXX Balance {$0.00}.

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 non-monetary relief
Consumer complaint received 2021-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Creditor did not respond to the investigation within 30 days

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XXXX XXXX I XXXX XXXX sent a letter with proof notifying the bureaus of fraudulent, incorrect, unknown, and obvious violations reported on my credit report. I have not received a resolution yet for these violations. I feel like I am being wrongly treated and ignored of my disputes. I believe failure to look into these items and the ignoring of obvious FCRA Violations that I clearly pointed out in my correspondence gives a reason to quickly remove those items from my credit report so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for a case due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2021-07-09
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/21 I was contacted through automated processes by Barclays XXXX Mastercard regarding potential fraud activity on my account. 

On XX/XX/21 at XXXX, I attempted to contact Barclays to resolve the fraud concern. After 5 minutes on hold the line went dead. 

On XX/XX/21 at XXXX, I again attempted to contact Barclays. This time I was connected to a customer service representative. During the discussion the customer service representative was unwilling to provide to me the actual card the fraud related to. I continued to ask if it was the primary or secondary accounts ( two cards are open under the account ). The representative refused to provide this information as well. I then asked to speak with a supervisor but was rebuffed. I continued to ask for a supervisor and after my fifth request I was placed on hold. The representative then returned after several minutes to tell me that no supervisor will speak with me. But that a supervisor will call me back in 24 to 48 hours.

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 2015-11-09
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Credit decision / Underwriting

Complaint:
Wells Fargo has either reported, or caused the report of, a code " D '' ( Default ) in the HUD CAIVRS ( Credit Alert Verification Reporting System ) against my social security number in relation to an FHA case that pertains to my ex-wife. I am in contract on a new home using a VA loan through XXXX and can not proceed with the loan ( current closing date of XXXX XXXX ) until this code is suppressed and converts to an " A '' ( Approved ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Experian Information Solutions Inc.
State: PA
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:
I am writing this complaint against EXPERIAN for allowing fraudulent inquiries on my credit report. The dispute letter including my Identity Theft Report was mailed out and delivered to them on XX/XX/2023. My identity Theft report number is XXXX which I have included in the attachments below. As I checked my recent credit report, the unauthorized hard inquiries are still being reported. They were supposed to protect my information, but how come to these unauthorized hard inquiries are in 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 2022-07-15
Company: Experian Information Solutions Inc.
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:
I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX and I'm including it again. 
XXXX XXXX Balance : {$9.00}

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 2019-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XXXX  and Transunion are reporting incorrectly that I am 120 days past due on the USD/GLELSI account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 12 and 13 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-03-12
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
This is complaint number 2 about the same issue and how they handled it. BBVA Compass bank reorders transactions to charge multiple fees on one overdraft. I was charged FIVE overdraft fees for one legitimate overdraft and I have screenshots of the original order because I suspected this would happen. The rest were pending transactions where the money had already been removed from the account and therefore not an overdraft. I am so absolutely disgusted with this bank they need to be investigated and closed. I now can not even afford to buy food once again thanks to their business practices. Customer service 's only response is the " fees are valid '' no matter who you talk to. They are trained to NEVER refund fees according to ex employees. Last time they did this I filed a complaint and the fees were reversed, this time they stalled the investigation process for 60 days and they're once again telling me the fees are valid even with the CFPB complaint and the previous fees were refunded as a " courtesy ''. A courtesy for stealing your customers money to begin with??? Why is this bank still allowed to do this when all the others were forced to stop? It's a trick every bank used to use. Please stop them!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting 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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: TD BANK US HOLDING COMPANY
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
this is a complaint about Target redcard, which is a credit card. 

I have close to {$400.00} balance on my card which I called the customer service trying to get a refund check. I made the request in the last week of XX/XX/2023, they claimed they sent the check, but after a month, I received nothing. And then they said they will reissue me a check, and then I called again following up on the issue on XX/XX/XXXX, and they promised they sent the check that day. But almost another 20 days passed, still received nothing. I kept calling the customer service, trying to ask what's going on with my check, I was told there is no tracking number or check number they can locate to prove they sent the check. But then offered to resend the check for the 3rd time on XX/XX/XXXX. I am beyond frustration, they even asked me to check with USPS blaming them to lose the check. I seriously doubt they have sent me any check at this point, and their customer service contact has no way to escalate this issue beyond the agents I talked to. Please investigate, and help get my money back. thanks!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-29
Company: STERLING JEWELERS, INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I never received proper notification of a debt prior to it being sent to collections and then a suit for garnishment. My original debt was with Kay/Sterling Jewellers and eventually went into collections with  XXXX   XXXX   XXXX . in  XXXX   2016  and is now an active wage garnishment since around that same time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20
Company: HEAD MERCANTILE CO., INC.
State: AK
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The XXXX XXXX from Ohio, also known as the HMC group, called me on XX/XX/XXXX saying I owed XXXX dollars in medical debt. They threatened to pursue legal action against me if not paid. I immediately called me hospital and talked to the head of billing and they said I had paid off all my bills from my er visit and that they do not use hmc or the XXXX XXXX for collections. I called the collection company back and they began to be very rude and said I was accusing them of lying and that I spoke to all the wrong people. They never once explained to me that I could dispute this collection. And NOW I see the collection is on my credit report. I am very frustrated and dont know how to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On Saturday, XX/XX/XXXX - I made a furniture purchase at our local furniture store. I requested a credit limit increase with Wells Fargo Home Furnishing Credit Program, an account that I have had open for many years. The credit limit was increased as requested, however not for the amount of the purchase. In good faith I paid the difference in cash. However, I opted to contact Wells Fargo on Wednesday, XX/XX/XXXX to request reconsideration of the credit limit increase to prevent the card from being at 100 % utilization. Wells Fargo advised me that the only way to request a reconsideration was to repull my credit report. The representative also steered me to believe that I needed to state additional income of my spouse on the application for reconsideration in order to be a approved. Being that I needed the reconsideration and was under the impression that the additional income would help the outcome, I approved Wells Fargo to repull credit. I was advised to follow up 30 minutes later. When I followed up 30 minutes later, I was told that I was declined and they were unable to advise me a ) of the decline reasons b ) if they repulled my credit a second time. I requested to speak with a manager and they were unable to answer either question ; however shared that I may request a 3rd reconsideration if I permitted a 3rd repull of my credit report. I then notified them I was reporting Wells Fargo to the CFPB and was sent to an Executive Escalation contact who was unable to assist with my reconsideration request or provide any insight as to the reasons for the decline of credit. 
I feel this is not only predatory by requesting a 2nd and 3rd credit report but also that I was targeted and steered to list additional unnecessary income when my DTI is less than 20 % of my total income for a credit card. It is not acceptable for any financial institution to repull credit arbitrarily and impact FICO scores for up to 2 years. I feel that I was mislead, taken advantage of and given no explanation for the decision and hope that I have recourse in this situation.

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 2023-10-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit reporting Act, this creditor has violated my rights under 15 USC 1681 Section 602 states, I have a right to privacy :15 USC 1681 Section 604a Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b. A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.

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 2022-10-22
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: Reporting company used your report improperly

Complaint:
Accordantly with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violented my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It Also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-03-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX I accidentally transferred {$500.00} from a checking account to a credit card account by mistake attempting to put the money in my savings. Since then I have spoke to 14 separate Bank of America employees from the credit department that have all told me different things about when my refund would be available back in my account. on XX/XX/XXXX I was told it would be 5-7 business days, on XXXX I was told it would be 7-10 business days on XX/XX/XXXX I was told it would be 7-10 business days and on XX/XX/XXXX I was told it would be 5-7 business days. Today on XX/XX/XXXX I spoke to seven or eight employees that all had varying stories about my account information. Several told me they could expedite my transfer and I would have it in 24-48 hours. others told me 90 days and one who seemed to make the most sense told me that nothing has been happening due to the transactions canceling themselves out and that I need to speak to a supervisor however the only supervisor available was extremely condescending and basically told me to close my account and they would send me a check in the mail. He also told me that he did not have a supervisor and that he was basically on the board of directors and his supervisor was XXXX XXXX and that she has no phone number or contact information. His name is XXXX employee ID : XXXX I would just like my money out back in my proper accounts and someone from bank of America to tell me that all of my calls have been reviewed and an explanation of how this has occurred that I speak to eight employees in one day and all have differing accounts of a timeframe for repayment. I can be reached at ( XXXX ) XXXX Thank you

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