BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-01
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hello first time doing this my fiancee has been banking at chase since she was XXXX and today XX/XX/18 all of our accounts were frozen and when we called to figure out what was going on they said all our accounts were closed. We inquired as to why they had closed it and they said there was nothing they could tell us as to why our accounts were closed and offered no advice on what we can do to reconcile this situation. We then went to our branch where we do all our banking and they just called the same number we called already and got the same answer we did and offered us no explanation or outcome except once our accounts are reviewed they would send a check in 2 weeks. We lost everything with this situation and no one is telling us why it happened and no one is telling us what we can do to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I '' m having a hard time getting these six late XXXX XXXX payments removed from EQUAFAX, and XXXX. I already resolved this issue with the XXXX XXXX XXXX and my account is in forbearance. There is also no owed payment on my account with them and every thing is up to date. I was able to get these items removed from XXXX under the fair credit act which means they sided with my claim that there information was incorrect. pleas help me get the fed loan payments off of EQUAFAX and  XXXX because they wont budge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am a victim of shipping scam issue. On XXXX XXXX, a person approach me from my country, XXXX acting as a staff working in shipping company, telling me that I have a gift box sent from the States with some money in it. XXXX custom has found out and suspect that it is a money laundering case. To be able to clear the custom, I have to pay them XX/XX/XXXXXX/XX/XXXX or XX/XX/XXXXXX/XX/XXXXusd to them. I was panic of getting into a lawsuit case with the government. So at that moment, I fell into their trap, and transfer XXXXusd, which was my maximum limit of transfer to a XXXX XXXX XXXX account. But later, I feel something is not right, and called Bank of America, my own bank to seek for help, maybe can reverse the transaction or stop the transfer. I am currently in XXXX and have waited until the operation time of BOA, but they only reply with filing a fraud report. However, I did not receive any email from them after the international call to BOA. They said I need to wait for ten days for a form to sign. But since the call, Ive never get any updates from them. I hope you can help me.

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 2022-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

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 2023-01-17
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
We were sent XXXX XXXX percent XXXX promotional check from XXXX Chase in XXXX 2022.The XXXX was good on the balance for entire year - XX/XX/XXXX. I called to verify the use of the checks and information. 
We used the checks to the amount of {$15000.00}. 
During the next XXXX months our credit card payments were made to cover only the purchases over {$15000.00} since we had XXXX percent interest on that amount for a year. 

However, XXXX Chase credited our payments towards the {$15000.00} and not toward our other monthly purchases- News I received on a phone call with a representative. 

I would like the monthly interest fees from XXXX of XXXX {$80.00} and XXXX of XXXX {$240.00} credited back to us. 

I called and and emailed the XXXX Chase XXXX on XX/XX/XXXX, and they refused to refund and said the payment amount would always go toward the lowest interest rate balance on the card. This was not disclosed on the phone or written on the paperwork of the checks when they were mailed to us in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
In XXXX my husband and I financed a boat, motor and trailer with XXXX XXXX. XXXX was then taken over by Capital One and our payments were then made to them. The loan was paid off in approx XXXX and since my husband died I went to sell the boat, motor and trailer and was told by Texas Parks and Wildlife that Capital One still had a lien on it. I have gone to the local branch in XXXX, Texas in person, faxed the information to the lien department at XXXX and then has spoken to 7 different people at Capital One and still can not get the lien released. I am being told that they no longer have any record of the loan and therefore can not release the lien. I sent them the registration from Texas Parks and Wildlife showing the liens and they tell me that they have to go by their records. I am unable to sell the boat, motor and trailer without the lien release.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-18
Company: General Motors Financial Company, Inc.
State: HI
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 notified by the mortgage office that an old creditor GM Financial was reflecting my bankruptcy with an incorrect date, my bankruptcy file date is XX/XX/XXXX with a discharge date of XX/XX/XXXX. GM Financial has a date of XX/XX/XXXX for the discharge, I have filed a complaint electronically and also called and spoke to a rep with XXXX  and still no resolve. I explained to the rep that this was included in my bankruptcy and the information needs to be accurate. After reviewing my credit report they had the balance as {$10000.00} and the total balanced owed as {$100000.00}. Now this is affecting me from being able to purchase a home due to the mortgage company advising that I can not proceed further for another 2 years based on the incorrect information/date they see on the file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26
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: Reporting company used your report improperly

Complaint:
i never provided written consent and are unaware of the unauthorized and inaccurate accounts on my credit report. I also understand that under Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have requested method of verification of " late payments '' of the account XXXX  # XXXX back in XX/XX/2020 and still yet to received information as I was not late on this account. Please provide transaction history of late payments with tracking of bank account link late payment or whatever payment transactions you have available. 

Please all the parties involved investigation with names addresses, phones numbers and e-mail used to come to this determination. 

Please correct payment is history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have reviewed my report recently. There were names and addresses on it that are incorrect, spelling errors or just plain wrong. PLEASE FIX EVERYTHING in my personal information.

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 2023-04-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
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: Problem with personal statement of dispute

Complaint:
I/We have previously DISPUTED, this ( joint ) account on two separate occasions with the company through Experian ( includes, the amount owed ). However, Experian refuses to attach our consumer statement ( s ) this is a joint account. My husband and I, mailed ( Via Certified Mailing w/Return Receipt Requested signed and dated by Experian on XX/XX/2020 ) our consumer statement ( s ) to be attached to our XX/XX/XXXX XXXX XXXX Account ( for vehicle ). We have shared with XXXX XXXX XXXX  on numerous occasions in writing ( via emailed correspondence ) that due to the National Pandemic ( Covid-19 and extended unemployment ), we are having difficulty paying our car payment ( s ) on time since XX/XX/2020 ; XX/XX/2020 ; XX/XX/2020 ; XX/XX/2020 ; XX/XX/2020 ; XX/XX/2020 ; XX/XX/2020 ; XX/XX/2020 ; including, going forward of the National Pandemic and until our financial hardship have changed. However, as of this filing, our ( Joint ) statement isn't included on our personal consumer credit files. XXXX XXXXXXXX XXXX XXXX continues to report late payments to our personal Experian accounts in spite of our filed DSIPUTES, emailed correspondences. Experian, is guilty of violating, the Fair Credit Reporting Act 15 U.S. C.1681 ; AND ALL CREDIT REPORTING ACTS. ALL SUPPORTING DOCUMENTS WILL BE FAXED TO THE CONSUMER FINANCIAL PROTECTION BUREAU FOR PROCESSING OF THIS COMPLAINT!

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 2023-07-31
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX, experian and XXXX are reporting inaccurate information in regards to my XXXX XXXX credit limit and credit card balance on my credit report. Please view the attachments... under the " FCRA '' I HAVE THE RIGHT TO DISPUTE INACCURATE /ERRORS/ FALSE INFORMATION.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-27
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I've not received the XXXX AA miles after spending $ XXXX and have tried to contact them on several occasions. They said they needed the promo code but the physical mailer doesn't have a code ( see attached ). They also said that they don't see it in their system, however they did say on XX/XX/2021 that it would be deposited to my account within 5 business days. Confirmation XXXX On XX/XX/2021, I have been hung up on the last call to get this resolved while spending over an hour. The account XXXX doesn't respond or is helpful. I have seen other complaints of this happening before with other Citibusiness checking promos. This is not the first time.

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 2020-10-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
3 months ago, I got my college graduated and move back to XXXX, therefore I need to transfer the rest of my money ( a little more that {$50000.00} ), into the account of my girlfriends. 
I had very limited time, so I took more than 3 phone calls to the Bank of America to ensure they know it is me doing this tranaction. And I was promised that such transaction can be done through online banking services. Knowing that, I steped on the plane back home. 
Then I found that this transaction could not be done, and my online banking account got blocked, because what I did was somehow suspicious. 
So I start calling the customer service number, since XXXX, till now. Trying to convince BoA to finish the wire transfer, or at least unlock my online banking accuont os that I can transfer it to any other account. But I was told the only way of unlocking it, is to visit a off-line counter with two forms of my IDs. Which is physically impossible for me. First, I am not anywhere near US. Second, even if I was at US, passport was all I need and I never had two forms of IDs. 
My money has to be back. The account can not be unlocked. From what I have been told by BoA, it seems, there's no department to report to, no Email address to talk to, and absolutly no way to solve my problem. 
All they need is a proof of I am acually me. I suggested that we could contact by email, or find a off-line counter and make a video call. I can prove that I am the holder of the card. I can even send my passport to them to prove that I am who I am. But none of that works. 
So I have this question for BoA : Is it real that as long as I don't set foot on the land of the United States, I can never get full access of my own 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 explanation
Consumer complaint received 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the fear credit reporting act XXXX  account with XXXX XXXX, has Violated 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 account under a 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 non-monetary relief
Consumer complaint received 2023-04-26
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX US Dept of EDXXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: GREAT LAKES
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was pressure to get enrolled into this college. This college promise me and my family a great future stated that I would be placed on a job replacement program as well as my credit would be transferable. after being lied to they then stated they I should enroll in my XXXX XXXX and that they would help me find work. Here is it four years later after obtaining my degree I still cant find a job in my field and they have sink me in debt with student loans and unnecessary charges to may account. Thiis school is very dishonest now I have four kids nowhere to get an real education so I can obtain an great career due to the fact that they have charged me over 49,000 .00 dollars in debt with student loans. 


I have filed a complaint to have the loans removed or discharged but its going on two years now and nothing.Dear Mr./Ms. XXXX : We have received your application for borrower defense. Your application number is XXXX. 

If you have chosen on your application to have your loans placed on forbearance or stop collection activity while your application is reviewed, you will be contacted by your loan servicer with further information. 

You will be notified once a decision has been made on your application. 

Visit StudentAid.gov/borrower-defense to learn more. If you have questions, you may respond to this email or call our borrower defense hotline : ( XXXX ) XXXX. Representatives are available Monday through Friday from XXXX XXXX. to XXXX XXXX. Eastern time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation