BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have saving, checking, equity line of credit ( LOC ), and mortgage accounts with Bank of America. 

On XX/XX/2020, I want to pay off the balance on my LOC account and transferred {$140000.00} ( the balance at the time - see the 1st attached file ) from my saving account to my LOC account. Both accounts are in BoA. After the fund transfer is done, I can see the amount of fund was taken out from my saving account, but not fund was transferred into my LOC account. I though it was on-line banking delay. After two days, the fund was still not showed up in my LOC account. I called BoA customer service and I was told it would take 5-7 business day to process it. 

However, the LOC balance remained the same after two week passed. I tried to get help from BoA customer service, I was on-line for hours and transferred from one department to another, equity line of credit dept, on line service dept, customer protection dept, etc. Unfortunately, none of them could provide me a real help. Then, I have to visit my local branch and asked for help from the branch managers XXXX and XXXX. They have to call the back end office to help. Of course, we spent hours there to wait the service lines in the branch. 

First, XXXX helped us to create a case to locate the missing fund. After another two weeks, the fund was located and added into my LOC. However, the fund was not applied to my account ( dated on XX/XX/2020 see the 2nd attached file ) and the balance remains the same. I am not sure why the fund was located and not applied to my LOC account. 

I have to visit the branch again and create another case to request applying the fund to my LOC account. It is XX/XX/2020 today and the transferred fund is still not applied to my LOC account. I have to visit the local branch every week to find out the progress on handling my case because I did not receive any email or phone call to inform me the progress. 

So far, I have visited the local branch 4 times and called the customer service 3 times on this problem. I spent so may hours and efforts for such unexpected transfer results. 
Now, there are total 6 weeks passed and the fund transfer problem is still not resolved. For the meantime, my checking account was still charged with the interest plus principle.

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 2021-06-08
Company: EQUIFAX, INC.
State: SC
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:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Well Fargo Chamged interest rate in or around XX/XX/XXXX-XX/XX/XXXX have requesting for documents I have been told I refinanced my. Loan which extened my payments until XX/XX/XXXX at 11.740 % When asked if this was a modification to my loan I am guided to tonspeak to a. Mortgage specialist who has not been able to provide documentations o Where the refinanced happened.

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 2018-12-19
Company: JPMORGAN CHASE & CO.
State: TX
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Previously I submitted documentation disputing the {$730.00} charge from XXXX XXXX   XXXX # XXXX on XX/XX/18. I originally submitted the dispute on XX/XX/18, then again with more information on XX/XX/18 and again on XX/XX/18. The charge was disputed as I had returned the purchased merchandise but not received a credit from the merchant. I provided all the relevant information including my call log with the merchant and original billing statement. Chase either neglected to acknowledge the dispute or the acknowledgment sent did not have any information identifying this charge. The same is true for Chase 's written request for further information. 
Despite not providing any information identifying the charge in either the acknowledgment of dispute or request for further information on XX/XX/18 Chase sent a letter stating I had failed to provide information on the dispute. I'm attaching all disputes filed as well as evidence the information was received. Thus Chase failed to comply with 15 United States Code 1666 Correction of billing errors statute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
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:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX, {$3500.00} Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
I appreciate your prompt attention to this matter, and await your reply.

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 2018-05-24
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Not showing how they verified any standing deputes. Never receive a letter on whom they spoke with or how they conducted there investigation. Only stating it was verified but not how. Never received credit report with credit scores. And this from Equifax and XXXX. For a bankruptcy. That should have been removed. It has been removed from my XXXX  credit reporting. Because they have not done there job properly nor fairly I would like all items that I disputed be removed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Equifax /I do not remember authorized this company to obtain a copy of my credit report. This inquiry need to be removed immediately : Creditor Name : ( XXXX XXXX XXXX ) I want to see the application signed by me which should be on file. I want Name of person and their phone number of person you talk to verify credit inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: Experian Information Solutions Inc.
State: FL
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: Other problem getting your report or credit score

Complaint:
After paying off a car loan my credit score went down 11 points. No late payments, no additional debt, no negative information was added. I contacted Experian to get an explanation but they said under the law, they can't give me advise. I argued that I wasn't looking for advise but an explanation since they are they ones that lowered my score. They are hiding behind a law to avoid given consumers reasons why their score has changed, this is unacceptable. It is hard enough trying to correct an error, now they don't even have to explain their actions. They told me to hire a financial adviser to tell me why. So I need to hire someone to tell my why they lower my score? does that make sense? 

The credit bureaus are a monopoly and they know it. People 's lives are in their hands but they seen to cater to the financial institutions more than the 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 2020-10-14
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2020, I accurately and completely filed an identity theft report with the FTC, report number : XXXX. 

I immediately ( via certified mail, return receipt ) notified the credit bureau of the following account not belonging to me, and the federal law requiring that it be immediately blocked due to identity theft : XXXX XXXX. Account Number : XXXX In accordance with 605B of the FCRA , the credit bureau should have blocked this item from appearing on my credit report within four days. They have failed to do so.

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 2018-06-22
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I ATTENDED XXXX XXXX IN XX/XX/2006. MY PRIVATE LOANS ARE NOW WITH A COLLECTION COMPANY. MY LOANS WENT FROM {$5000.00} TO OVER {$18000.00}. I BELIEVE I HAVE BEEN OVER CHARGED. I UNDERSTAND THAT ALL OF THE XXXX XXXX   COLLEGES HAVE CLOSED AND ARE BEING SUED. I'M CONCERNED BEING THAT I ONLY ATTENDED ONE SEMESTER THAT MY LOANS HAVE NOW WENT TO COLLECTIONS WITH AN OUTRAGEOUS BALANCE. MY LOAN WAS SENT TO XXXX, XXXX, AND XXXX. I DON'T EVEN HAVE A TRANSCRIPT TO TRANSFER ANY CLASSES IF I WERE TO ATTEND ANOTHER SCHOOL TO PERSUE THE SAME DEGREE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Ive started using Coinbase over two weeks ago as a way to start investing in crypto currency. I followed the steps on their website to set up my account and connected my checking account directly to their app ( as they recommended ). Ive made my first purchase on XXXX XXXX. As the delivery date stated XXXX of XXXX, I had no choice but to wait patiently until the funds clear. To my surprise, after a week of waiting, they cancelled 65 % of my investments claiming my bank is to blame. When I called my bank they said there were no issues or cancellations on their end so I contacted Coinbase again asking for an explanation. Customer service was non existent as I didnt get a reply to my emails ( yes multiple emails ). My bank account was charged for the rest of the transactions I made soon after but still no digital currency. Its now been 4 days since my digital currency was supposed to show up in my account and its still not there. I tried emailing again and still not a single reply! Ive tried reading about others who experience the same problem and was surprised to see how many people are on the same boat. Someone needs to hand it to Coinbase. Companies like that dont need to be in business.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: Midwest Recovery Systems
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
On XX/XX/XXXXI recieved a notificaiton from my credit report. Midwest Recovery Systems reported to my credit report on XX/XX/XXXX stating I owed them {$480.00}. I have never heard of this company nor the company they are collecting for. I have researched their name and have read multiple reports that this company is a scam. I have also researched the name of the company they are collecting for and they do not have any record of being in the state of Utah. I have not contacted them due to not having sufficent information or a letter/notification stating that debt was due. I am afriad to contact them due to identity theft which may be a possibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requestingsome accommodations so I care to protect the integrity of my credit file.XXXX XXXX XXXX XXXXXXXX # XXXX account is reporting 30, DAYS LATE XXXX  XXXX XXXX  XXXXXXXX  # XXXX account is reporting 30, DAYS LATEsince requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process. 
I have some inquiries that I do not recognize from the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, US SM BUS ADMIN ODA, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: CITIBANK, N.A.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Citi bank, collections, harassment. 
I have been receiving multiple times calls a day up to 6 or more, six days a week if not 7days for over 2 months. Sometimes only 2-3 hrs apart from each other. Example XX/XX/XXXX received a call at XXXX,XXXX,XXXX. XXXX,XXXX,XXXX. I have answered the phone first time and talk to them and they continue to call that day. They say that they will make note to inform Citi. But others claim no notes or info on file. Others said they don't do that. My reading of new federal laws passed by Congress against credit & collections companies. One is that they can not continue to call and harass multiple and multiple times a day everyday and they say on the phone that they will continue to do so. Last talked to them on XX/XX/XXXX XXXX talked to XXXX Id # XXXX he gave me. Refused to tell me the managers name as all companies do. The laws are in place to protect us from harassment calls from credit & collections companies do they work. Who else do I need to contact and file with? 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 non-monetary relief
Consumer complaint received 2021-06-08
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown items on my credit report. I have not received a response yet. I feel like Im being ignored and taken advantage of because I am disputing so many items on my credit report. Section 611 ( a ) of the FCRA plainly states that a failure to investigate these items within 30 days prompts the immediate removal of those items from my credit report. It has been over 60 days, so they should be deleted. I demand these items be deleted immediately or I will file for litigation due to the stress that this situation has caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted and sent letters to Equifax on numerous occasions regarding the new law that took effect XX/XX/2017 regarding Public Records, Tax Liens and Civil Judgements. Equifax refuse and have yet to remove my public record

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 items on my credit report that does not belong to me. I have filed fraud reports to the credit bureaus XXXX, XXXX  and Transunion. 
The listed company does not belong to me : XXXX XXXX - has two different accounts listed. 

( XXXX XXXX - {$10000.00} and {$6700.00} & XXXX XXXX {$0.00} and {$0.00} ) But, both has the same account numbers. These accounts are eroneous and does not belong to me. They are hurting my credit score. The credit bureaus are doing nothing to rectify.

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 2018-05-24
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chase Bank has frozen my personal checking account since XX/XX/XXXX.This is all in regards to 2 XXXX ( XXXX ) from the same person for a total of {$1900.00}. At the time I had almost {$9000.00} in my account. These XXXX were in result doing a transaction with another person from a legal website called XXXX XXXXXXXX. I am the seller and I was doing business with a man who was to receive {$1900.00} of bitcoins and in return I would receive his payment. One day after the payment was received and after he had his Bitcoin he called XXXX and claimed it was not him that did the transaction but somebody else. When I did the transaction with him I verified him by having him send me by a selfie of himself, plus him holding his drivers license and holding his debit card with his full name on both and he also wrote a note saying he was buying the {$1900.00} of bitcoin and he signed and dated it. I sent Chase absolutely everything to verify these were valid XXXX. Well time went on and I kept calling Chase to get updates and closure and all they did was to keep telling me it was still being researched and the resolution day was XX/XX/XXXX. Well, on XX/XX/XXXX, I called figuring it would finally be resolved, but no, I was still being given the same story that this case was still in research. At that time, I threatened legal help and that is when they put me over to their so called Executive office who assigned me a case # XXXX. About 4 days later I received a phone call from a woman telling me that my account would stay frozen and that they were now investigating 6 more claims. When I asked for more information she would tell me nothing and only that my case was closed and my account would stay frozen. I have NEVER received one piece of mail from Chase about the investigation and NEVER could talk to anyone to try to explain to me the process, etc. I feel like I was never given my due process. And the sad thing Is that I was the one who was defrauded. The only mail that I did receive from Chase were 2 pieces saying that I withdrawal {$1900.00} at an ATM machine and then about 10 days later another letter saying I wrote a check for {$1900.00} that was not good. These descriptions made no sense to me. I am going to attach all the documents that I have sent to Chase and let me remind you, I have never received any type of communication from them ever. I have been a Chase customer for years, had an Auto loan through them and never a lick of problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: NV
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:
I WAS CHARGED FOR SOMETHING I DID NOT AUTHORIZE AND I NEVER DID BUSINESS WITH THIS COMPANY.. I CALLED XXXX XXXX XXXX XXXX BACK IN XX/XX/XXXX WHEN CHARGE WAS ON MY STATEMENTS TO REPORT FRAUD WELL I NEVER RECIEVED THE CREDIT BACK FROM THEM, SO I CALLED THEM AGAIN THIS YEAR AND THEY ARE NOW TELLING ME THAT I NEVER FILED FRAUD WITH THEM ... I TOLD THEM I DID BACK IN XX/XX/XXXX AND I WANT MY MONEY BACK. THE REP TOLD ME THAT IT WAS TOO LATE AND THEY CAN ONLY GO BACK 30 DAYS I ASKED FOR A MANAGER SO MANAGER XXXX CAME ON AND TOLD ME I ONLY HAD 60 DAYS TO REPORT I TOLD HER I REPORTED IT BACK WHEN IT HAPPEN AND SHE SAID I DIDNT ... THIS IS SENIOR CITIZEN ABUSE AND THEY SHOULD BACK ME AS A CLIENT.. PLEASE HELP ME GET MY MONEY BACK I AM LIVING ON A FIXED INCOME. I WILL LIST THE CHARGE FOR YOU XX/XX/XXXX HELP FOR TIMESHARE BUT IT WAS UNDER ANOTHER NAME TOO SOMETHING XXXX.. FOR XXXX ON MY XXXX XXXX. PLEASE HELP ME GET MY MONEY BACK

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