BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Good morning. I want us to help me fix a problem with my banking. I got scam and I report that to my bank I deal with, but it seems like XXXX report me for something I did not commit. I am innocent, and any bank do not want to deal with me because of that. So I need help to fix that please. Thank you, I really need help.

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 2020-05-21
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have already made a complaint with the company Caine & Weiner each time they take it off my credit report then put it back on with a new date trying to pass this collection off as new debt on my credit report I do not owe money to this company nor have I ever signed any contract with them. This is not my debt nor do I owe money to the company they say I do. Please have this removed from my credit report and please make sure they dont add it back like hey have been doing every time I make a report. They are reporting false allegations towards me with wrong dates and amounts to a company I do not owe money to

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company.

Please update my address to : XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$55000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$140000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$23000.00} XX/XX/XXXXXXXX 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 2021-09-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
JP Morgan Chase denied my credit card application because of the following per there letter dated XXXX ( Copy Enclosed ) : 1 ) Delinquency or other derogatory relationship with our bank. 
Answer I do not have any kind of relationship with JP Morgan- This is a LIE! 
2 ) Insufficient balance in deposit and investment accounts with us. 
Answer - I'm applied for XXXX XXXX XXXX XXXX XXXX and has ZERO to do with any kind of Relationship with JP Morgan- The Application said it was only a rewards card for points for travel. I 3 ) One or more requests for new credit in the past 12 months. Answer what does that have to do with anything as all credit cards were approved. Again a LIE! 
4 ) Repeat of the above - Answer they can't make up any more LIES.

- My credit is great look at the letter credit score of XXXX per their lette. 
If you don't sue them for fraud then I will. JP MORGAN CHASE paid {$920.00} XXXX for fraud and RICO charges. Why would anyone want to open an account with JP MORGAN CHASE? AS this Bank that admitted guilt for Fraud and RICO Charges.and XXXX  $ XXXX in charges but still goes on to deny application for rewards card ( see below for the record ). 
Also, please provide me the THEIR AGENT FOR SERVICE SO I CAN SUE THEM IN CALIFORNIA. - Here is the attachment that needs to be published. 
by XXXX XXXX and XXXX XXXX, XXXX XXXX Published XX/XX/2020 JPMorgan Chase & Co. admitted wrongdoing and agreed to pay more than {$920.00} XXXX to resolve U.S. authorities ' claims of market manipulation in the banks trading of metals futures and Treasury securities over an eight-year period, the largest sanction ever tied to the illegal practice known as spoofing. 

The New York-based lender will pay the biggest monetary penalty ever imposed by the Commodity Futures Trading Commission , including a {$430.00} XXXX fine, {$310.00} XXXX in restitution, and more than {$170.00} XXXX in disgorgement, according to a statement from the CFTC. The CFTC said its order will recognize and offset restitution and disgorgement payments made to the Department of Justice and Securities and Exchange Commission. 

The accord ends a criminal investigation of the bank that has led to a half-dozen employees being charged with rigging the price of gold and silver futures for more than eight years. Two have entered guilty pleas, and four others are awaiting trial. 

The JPMorgan penalty far exceeds previous spoofing-related fines levied against banks, and is the toughest sanction imposed in the Justice Department 's years-long crackdown on spoofing. The bank entered into a deferred prosecution agreement with the Justice Department as part of the settlement, according to the CFTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: PNC Bank N.A.
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am a long time customer with pnc bank, on XX/XX/XXXX I tried to deposit XXXX dollars into my account through the atm with pnc bank. The atm malfunctioned and gave me back XXXX keeping the other XXXX dollars and not giving me a receipt. I talked to the teller and deposited the XXXX dollars and filed a dispute for the remaining XXXX that The machine did not give back. Five days later I received a provisional credit for the XXXX. Almost two months after that theyve performed a provisional credit reversal for the XXXX and are telling me there is no evidence of any overage in the atm or the bank. Ive been to two branches and have talked to there escalation manager XXXX XXXX multiple times and have filed multiple disputes with the same result. They are telling me there is no extra cash that was found.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: EQUIFAX, INC.
State: CA
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of Equifax to retain disregard a consumer 's appeal for the alteration of the disputed account on my Credit Report. Under the FCRA sections 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed account saying that the information they gave is precise, with which I seriously disagree. I am submitting this complaint to you today to request that Equifax run me copies of documents bearing my signature to prove the status of the disputed account. If they are unsuccessful to comply with the condition and continue the reporting of the disputed account, please realize I will pursue legal action. I need the account corrected XXXX : XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: Thaxton Investment Corporation
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I told them that my husband just left me with all the bills. I am in debt and that I would pay them off within a couple of months, and they won't stop calling me on my cell and at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: National Credit Adjusters, LLC
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
ON XX/XX/2020, I CONTACTED XXXX XXXX XXXX ( NCA ) TO SETTLE THIS NEARLY XXXX XXXX XXXX ACCOUNT. ( AN NCA AGENT HAD PREVIOUSLY CALLED ME WITH A SETTLEMENT OFFER WHILE I WAS DRIVING SO I WAS UNABLE TO WRITE DOWN THE DETAILS. ) I CALLED NCA ON XX/XX/XXXX AND ACCORDING TO THE AGENT, SETTLED THE BALANCE OF {$370.00} FOR {$200.00}. THE AGENT STATED THAT SHE WOULD MAIL ME A PAID IN FULL LETTER BUT WAS UNABLE TO EMAIL THE SAME. 

ON THIS DATE, MY XXXX  CREDIT REPORT SHOWS THAT NCA UPDATED MY ACCOUNT ON XXXX XXXX TO REFLECT ( 1 ) A PAYMENT OF {$200.00} AND ( 2 ) AN OUTSTANDING BALANCE OF {$170.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
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 ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-05-21
Company: GOLDMAN SACHS BANK USA
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The morning of XX/XX/2020 I attempted to pay the XXXX balance ( {$830.00} ) on my Apple Card serviced by Goldman Sachs. I attempted to make a payment via my XXXX 's built in XXXX XXXX and was presented an error. After attempting a few more times and still receiving the same error I contact their support via XXXX. I was instructed to try again in a few hours as they have been having issues processing payments. 

A few hours later I attempt to make a payment again ( {$830.00} ) and it went through with out error. When reviewing that the payment was successful two payments showed within the XXXX XXXX XXXX both posting at XXXX CST ). I again contacted customer support to inform them of my new issue and was informed that the payment would be canceled ( not processed ). 

The following day I inspect my XXXX XXXX again and see a third payment on my account for {$300.00} posting a XXXX CST. I again contact support and was told the payment was canceled. 

Later in the week when checking my bank records I saw all three of these payments debited from my account and saw that the second & third payments where later refunded. After verifying in the Wallet App I am seeing " Balance Adjustments '' for the amounts of the refunded money increasing the balance on my line of credit. After digging through my record it appears as if the system initiated overpayments where applied to an installment plan I had for my XXXX but when refunded the moved from interest free financing to my line of credit and are now accruing interest. 

After many conversations via chat & phone being told my issue would resolved on their end and notified when done, I will be getting a call back to discuss options, I would be receiving a {$50.00} balance credit for my troubles, to me needing to go into he XXXX store and have them return and resell me my phone. 

I finally got contacted by a manager that informed me that all they could offer was. a {$50.00} credit and by accepting it I would be ok with the resolution. I was earlier offered the credit as compensation for the issue as a sign of good will but it had turned into an absolution of guilt and still leaves me with a balance accruing interest unrightfully. I declined to accept the offer and insisted on being made whole again with my account reverting to pre-multi-payment system issues to which I was told they saw this as my issue as I made multiple payments ( even though they acknowledged the system issue prior and after multiple times ) and that I may not receive a better offer. I was told that it would be forwarded on and that I may be receiving a response or maybe not so I turned to you to fill a complaint. 

Attached is the email acknowledging the issue, the chat conversations I had, my statement before / after the issue showing the removal of my installment item.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-23
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: Information belongs to someone else

Complaint:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: Square Inc
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
CashApp - Square CashApp Debit Card ( Square ) just showed up in the mail - I never opened this account. 

Issued thru XXXX XXXX - they are NO HELP. 
Why would they even issue this? 
Spent days chasing thsi down.. 
CashApp service is horrible -- - have to use XXXX for customer service- the phone number is a joke -- never get ahold of ANY HUMAN. 

After two days I managed to get SOMEONE ( XXXX ) to close this but they will NOT provide any information on how it was opened, when etc

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: WELLS FARGO & COMPANY
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:
When I lost my job in XXXX they offered me a payment arrangement but I would have to close my account and the minimum payment would be {$25.00} for 12 months with a lower interest rate. I set up auto pay with a bank account but I had a fraud issue so I closed the bank. I CHANGED THE ACCOUNT INFO. I opened a Wells Fargo bank account so the auto pay would come out directly. I explained to the XXXX XXXX XXXX  On XXXX location and they reassured me it would all be set up. The bank did not set it up and I pay the {$25.00} AS AGREED and every month it is higher saying Im behind now putting it on my credit saying past due over 90 days! I have called and cant speak to this department because I now work Im an essential worker and the hours i get off they are closed. I called early XXXX AND XXXX and got transferred 5 times put on hold and disconnected. They sent letter finally but no resolution past XX/XX/XXXX. My credit is still messed up. Plus they put on my credit that grantor closed the account. I agreed to close the account I said I want to close it and go on this payment arrangement they make it look like Im not paying and they closed my account. Im going to close my bank account now. Im furious They make mistakes. Im lied too. The bank associate opened my bank account and says my certified checks are free. The first one I do they charge {$15.00}. The rep calls me he made a mistake about my address in my profile and my account will be closed if not fixed. I tell him the issue and he never corrects it. The credit card company and the bank both constantly make mistakes and dont fix them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-21
Company: ABC First Inc
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I need help, I do not know what could I do. 

This is XXXX XXXX, I had a phone consultation with ABC first inc. regarding business loan. The use XXXX word show they are loan bank on website. The contract was changed from business loan to home equity loan on the day I signed the paperwork. First loan is {$50000.00} with 2 years term 3.5 % Monthly interest rate, second one is {$50000.00} with 3.5 % Monthly interest rate for 1 years term. Total $ XXXXThe interest is $ XXXX monthly, the over due payment is {$75.00} per day. I paid off {$200000.00} as total including principal and interest. This year I checked my credit report while I was trying to get refinance on my personal property. The report shows that I financed {$550000.00} open {$75000.00} from abc company, which is a false statement since I already paid off my loan. I am concerning this balance will affect my property and credit. I would like to file a complaint report against abc company regarding their Illegal operation. Please start an investigation on abc company. I would like to get my paid interest and fine back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: ZWICKER & ASSOCIATES
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX XXXX, ZWICKER, XXXX XXXX AND ALL COLLECTORS SOLD NOW MUST REQUEST XXXX  TO MANUALLY REMOVE ALL TRADELINES AND JUDGEMMENTS FROM THERE DATA BASES, MUST FURNISH WRITTEN LETTERS XXXX NO XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: AMERICAN EXPRESS COMPANY
State: AZ
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:
Product : American express Premier Rewards Gold card Date Opened : XX/XX/XXXX Promotional offer : XXXX Membership Rewards points after {$2000.00} in spending within the first 3 months. 
Date Spending completed : XX/XX/XXXX. 
Online chat with American Express Chat Rep " XXXX '' and " XXXX '' XX/XX/XXXX after points not credited. Confirmed offer was applied to this application and account. Was told investigation would be opened with maximum of 8 weeks for resolution. {$10.00} credit for inconvenience was offered and accepted, however was not credited. 
After 8 weeks, points still not credited. 
Online chat with " XXXX '' and " XXXX '' XX/XX/XXXX. Per this conversation investigation is still ongoing with no date of resolution. {$10.00} credit still not applied. Uses phrases such as " no comment '' and " can not provide further information. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-06
Company: Experian Information Solutions Inc.
State: AZ
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:
Please see complaint XXXX dated XX/XX/XXXX. 
In response to the complaint referenced above, Experian did NOT resolve/correct the errors on my report. Once again they sent me an email on XX/XX/XXXX stating the dispute had been resolved ( attachment # 1 ). They also sent me a letter dated XX/XX/XXXX stating that the dispute had been resolved ( attachment # 2 ). In fact, the dispute had NOT been resolved. In the abbreviated reports included with the email and letter, Experian deleted information for XXXX rather than correcting it. They further deleted information for XXXX & XX/XX/XXXX from one of the accounts. This information was deleted without cause or reason and is an act of fraud on the part of Experian. Again, they willfully, deliberately and intentionally falsified information on my credit report. Further evidence of Experian 's failure to resolve the dispute is provided in the full credit report of XX/XX/XXXX ( attachment # 3 ) in which the erroneous information of my allegedly being late on 2 accounts remains. Further, an address with a street name that has never existed still appears falsely. And if this was not enough, the cover letter of XX/XX/XXXX gives erroneous reasons for my filing the disputes, specifically that I had asked for a name or social security number to be removed which is not true.

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