BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-20
Company: JPMORGAN CHASE & CO.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On the night of XX/XX/XXXX or early in the morning ofXX/XX/XXXX my debit card from Chase Bank was stolen from XXXX XXXX XXXX XXXX. It was used for the transactions listed below, totaling {$670.00}. I reported the card stolen the next day ( Claim # XXXX was assigned to my case ) to Chase Bank over the phone and it was put on hold. I was also told I needed to go in person to the Bank in order to complete the claim. On MondayXX/XX/XXXX I visited the chase bank at XXXX XXXX XXXX XXXX XXXX, WI XXXX and spoke with someone who assured me it would all be taken care of. The {$670.00} was credited back to my account. After a review process I was told by chase ( on XXXX ) that due to inconsistencies and the fact that the person who used my card was able to correctly input my PIN # chase bank was taking away the {$670.00} credit they had previously given me. Therefore I am losing {$670.00} from my bank account.
1 ) NON-CHASE ATM FEE-WITH Fee {$2.00} 2 ) NON-CHASE ATM FEE-WITH Fee {$2.00} 3 ) XXXX XXXX XXXX XXXX XXXX WI XX/XX/XXXX Purchase {$4.00} Cash Back {$20.00} Debit card transaction {$24.00} 4 ) XXXX XXXX XXXX XXXX XXXX WI XX/XX/XXXX Purchase {$9.00} Cash Back {$20.00} Debit card transaction {$29.00} 5 ) XXXX XXXX XXXX XXXX XXXX WI XX/XX/XXXX Purchase {$2.00} Cash Back {$20.00} Debit card transaction {$22.00} 6 ) XXXX XXXX XXXX XXXX XXXX WIXX/XX/XXXX Purchase {$1.00} Cash Back {$20.00} Debit card transaction {$21.00} 7 ) XXXX XXXX XXXX XXXX XXXX WIXX/XX/XXXX Purchase {$1.00} Cash Back {$20.00} Debit card transaction {$21.00} 8 ) XXXX XXXX XXXX XXXX XXXX WI XX/XX/XXXX Purchase {$1.00} Cash Back {$20.00} Debit card transaction {$21.00} 9 ) XXXX XXXX XXXX # XXXX XXXX WI XXXX XX/XX/XXXX Debit card transaction {$29.00} 10 ) ATM WITHDRAWAL XXXX XXXX XXXX  XXXX  ATM transaction {$20.00} 11 ) ATM WITHDRAWAL XXXX XXXX XXXX  XXXX ATM transaction {$40.00} 12 ) ATM WITHDRAWAL XXXX XXXX XXXX  XXXX ATM transaction {$200.00} 13 ) ATM WITHDRAWAL XXXX XXXX XXXX  XXXX ATM transaction {$200.00} 14 ) NON-CHASE ATM WITHDRAW XXXX XXXX XXXX XXXX ATM transaction {$44.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: Carvana Group, LLC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
I purchased a XXXX XXXX from Carvana in XXXX of XXXX  with a warranty package. They are called XXXX XXXX. I had a slow air leak in the right front tire. When I went to XXXX XXXX XXXX in XXXX, XXXX, They said that they could not repair the tire because it was two years too old for the vehicle. I had to purchase 4 new tires. XXXX XXXX said the tires were not covered under the Warranty Package that I purchased with the SUV. Carvana said they inspected the tires and they were fine. I disagreed. I think that the tire inspection was faulty. They refused to even pay just a percentage of the cost for the new tires. I think they are in the wrong and should pay for the new tires that I had to purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
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: Investigation took more than 30 days

Complaint:
I sent a letter to Equifax on XX/XX/2022 about inaccuracies on my credit report. It is XX/XX/2022 and I have not heard back from them. They have not conducted an investigation and they have not sent any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I contacted XXXX two weeks ago, because my credit report is stating a deragatory mark that has been there for over 60+ days. The problem is I requested a copy of my credit report and all of my accounts are showing up in good standing, and I can't see any deragatory marks. I told this to XXXX and they told me that they can't talk about any information from my credit report. My credit score has gone down because of this deragatory mark, and I can't even dispute it because it is not showing up on any of my accounts. I've looked at my reports from all three major bureaus. Transuinon and XXXX are both reporting a serious delinquency/deragatory mark 60+ days, but XXXX is not XXXX I've attached my three credit scores from the major three bureaus. 

So to summarize, both XXXX and Transunion are reporting a not existing delinquency and it's not even showing up on my credit reports, causing my credit score to drop over 60+ points. XXXX is reporting the accurate credit score. You can see in my attachments that all three bureaus show Accounts ever late : XXXX, and collections : XXXX. So where exactly is my deragatory mark??

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 2023-05-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I declare under penalty pf perjury ( under the laws of the UNITED STATES, if executed outside of the UNITED STATES ) that the foregoing is true & correct to the best of my knowledge. Further I certify that I am permitted by FEDERAL & STATE LAW to file this dispute. I also understand that knowing & willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001 Additionally these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods services, or money & was successful in creating some accounts. All. is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: Source Receivables Management LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There is a bill that is reporting with a XXXX XXXX and it was disputed, they then reported it as XXXX balance and sold it to another collection company a Source Receivables. So the XXXX has hit my credit scores then the Source Receivables hit my scores. Since XXXX is a collection company and not the original company they should not be reporting the account at all because they have not vested interest in it. The Source Receivables is also reporting a new open date and not when the account first became late and never again went current therefore it's re-aging a very old account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: United Debt Holdings, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
LOAN WAS TAKEN OUT XX/XX/15 I BELIEVE FOR {$500.00}. I DO N'T REMEMBER. THEY TOOK OUT TOTAL AMOUNT DUE WITH INTEREST ON FIRST PAYMENT DATE 10 TO 14 DAYS LATER ON MY PAY DAY. I RECEIVED EMAIL STATING LOAN WAS PAID IN FULL. THEN I STARTED RECEIVING PHONE CALLS AND EMAILS WEEKS LATER HARASSING ME STATING I DID NOT PAY. AND THEY WERE GOING TO COME AFTER ME. I PLACED MULTIPLE THREE WAY CALLS WITH XXXX XXXX XXXX AND MY BANK PROVING PAYMENT WAS DRAFTED, COMPLETED, CLEARED AND ALL WAS GOOD. A FEW WEEKS LATER XXXX XXXX XXXX TRIED TO DRAFT DOUBLE WHAT WAS OWED AGAIN AND MY BANK FLAGGED IT. I HAD MORE MULTIPLE PHONE CALLS WITH XXXX XXXX XXXX AND THE BANK. XXXX XXXX XXXX ASKED ME TO SEND BANK STATEMENT SHOWING WHERE THEY DRAFTED THE MONEY. I DID. I WAS TOLD IT WAS THEIR MISTAKE AND LOAN WAS PAID IN FULL. 2 MONTHS LATER AND AFTER SEVERAL DAYS OF ARGUING FIGHTING AND PROVING TO XXXX XXXX XXXX THEY WERE IN THE WRONG I WAS TOLD EVERYTHING WAS CLEARED. I CLOSED MY BANK ACCOUNT BECAUSE OF SUSPICIOUS ACTIVITY WITH XXXX XXXX XXXX AFTERWARDS. AND THE PHONE CALLS AND EMAILS STOPPED. NOW HERE WE ARE 21 MONTHS LATER AND TODAY I 'M RECEIVING PHONE CALLS AND LETTERS FROM A LEGAL TEAM ( XXXX XXXX WITH XXXX XXXX XXXX ) THAT THERE HAS BEEN ACTION STARTED AGAINST ME AND XXXX XXXX XXXX IS SUING. AND ALSO FROM A XXXXXXX PROCESS SERVER FOR XXXX XXXX XXXX THAT SHE IS ON THE WAY TO MY HOUSE AND JOB TO SERVE ME AND IF I DO N'T SIGN PAPERS THERE WILL BE MORE LEGAL ACTION AND PROBLEMS TO COME FROM THIS. I CALLED XXXX XXXX SPOKE WITH HIM ABOUT THE SITUATION AND HE ADVISED WOULD GET AHOLD OF THE LENDER AND LET ME KNOW IF HE NEEDED ANYTHING ELSE. THIS IS FRAUDULENT. THIS IS CRAZY. AND THIS IS HARASSMENT.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: EQUIFAX, 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:
Hi there, I have had issues with XXXX XXXX not accurately reporting positive activity on my account. 

My score dropped XXXX for 1 late payment and when I made a payment to catch up on the payment it was immediately not shown positively on my account. I also noticed this for XXXX too. I should have gotten points for paying down my credit cards which still shows that the cards were not paid down. And I should be given positive points added to my credit score reflecting this because I am working on building better credit so I can have fair housing. 

I also noticed that equifax did the same thing I paid down 3 different credit cards and positive activity was only given for one card. And for XXXX no positive activity was given. Not having my positive paying reflecting on my credit does not allow me to have fair housing opportunities because of a low score when I hardly have credit and is making efforts in paying down debt to receive positive score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: LEXISNEXIS
State: NV
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:
Discovery, New information. 
I recently disputed a chapter XXXX bk from XXXX, XXXX as fraud. Because I was advised by the courts this was not going to report yo my 3 credit bureaus. The bankruptcy courts has advised me they did not report and to reach out to XXXX and Lexis Nexis to resolve. 

Enclosed you will find information from US Bankruptcy Court Northen District of Alabama. 
1. Inaccuracies Documentation shows Attorney XXXX XXXX XXXX filed incorrect paperwork to the courts. It was not received in 14 days .The judge dismissed my case. See attached. 
2 .Order of dismissal Judge dismissed the case hearing will not be heard. And all my attorney fees were reimbursed. Please read attached. 
3. Due to inaccuracies Judge dismissed the case. 
4. Yes, Lexis Nexis verified that a bankruptcy was filed with my ss # and name. But do to a Notice of Deficient filing or Incorrect Event. Case was dismissed and automobile was surrender to US Automotive.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have an account with coinbase. my email address is XXXX. They closed my accounts with no explanation and told me to move my USD in my wallet out. At the same time they closed all my bank accounts associated with my USD wallet. So when I tried to move money out, the system asked my to select an bank account but there is no bank accounts to select. The total amount of money in the wallet is {$5400.00} USD. They need to bring my bank account back to the system so I can transfer it out or allow me to fill in the bank account information. This issue has been ongoing for almost five months. I have send them numerous emails and called them many times but with no response so I have to report it to you. I want all my {$5400.00} USD back as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
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:
A hard inquiry is on my credit report from XXXX XXXX. Ive contacted all 3 major credit bureaus on XX/XX/2021 and told them that it wasnt mines and that I had no knowledge of it and they refuse to move the hard inquiry or even considered that Im a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I opened a checking account at Fifth Third Bank based on an advertised promotion. On XX/XX/XXXX I met the first requirement for the promotion and from XX/XX/XXXX through XX/XX/XXXX I met the second requirement and the bank is refusing to honor the promotion. I have statements from XX/XX/XXXX through XX/XX/XXXX which show the minimum balance requirement was met for at least 60 or more days. The bank dealt with me in a deceptive and fraudulent manner by refusing to pay the promotional fee after I met the requirements. After claiming I had not yet met the minimum balance requirement as of XX/XX/XXXX ( even though I have statements showing I did meet the minimum balance ), I prolonged the life of the account to meet the requirement resulting in the bank charging me more in service charges. The wording in the banks promotional offer " minimum balance '' does not specify average or monthly. The wording does not specify when the 60 days commence or terminate. This allows the bank to interpret things after the fact to the banks advantage and is deceptive and fraudulent of the consumer. Numerous attempts to resolve this with bank personnel led to unprofessional and insulting behavior toward me and an intransigence to seeing things from the customers viewpoint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
Wellfargo charged me monthly maintenance fee. I deposited {$340.00} on XX/XX/2020 @ XXXX via XXXX before the withdrawal {$340.00} on XX/XX/2020 @ XXXX via ATM, but Wellsfargo posted the transactions on two different days and reversed! The ATM withdrawal is on XX/XX/2020 ( same day which is impossible! ) and XXXX deposit on XX/XX/2020. Then, they charged me for monthly maintenance fee. 

Also, I contacted them 3 days ago and they haven't replied anything yet. I have all the documents to prove these incidents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-17
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Citi gave me a 24 % rate on a Citi double cash card. I called and complained they lowered to 19.25 % only after I complained. My credit score is over 800 on all three bureaus. They punish me with rate because I have no other relationships with them, I know banks do this. They also are refusing to generate an online statement fr XXXX because they told me that I owe noting. I told them I want a statement each month as I thought was required by a credit company to confirm balance and that account is opened. Only after I called did they day they'd mail one and refused to electronically send one. My  statement cut off date is XXXX of each month. Here we are in XXXX on the XXXX and statement and if I didn't chat with they would have never gotten one. I not only want a statement each month I now want paper so they can eat the cost of the postage. I want this rate addressed and explained. I can not keep closing credit cards when they are giving 24 % with an 800 fico.

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 2018-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
in XXXX in collaboration with the Social Security Administration and XXXX XXXX, SSA issued me a new social security number based on very bad case of identity theft. the SSA requested a lot of documents to proof the ID theft, XXXX XXXX worked together with me to ensure all information was accurate and to the point. In XX/XX/XXXX, I was issued a new social security number, I was advice to stop using the old number ending in XXXX and to start using my new number ending in XXXX. In XXXX or XXXX without any reason and any contact with me, Transunion locked my report, where no one can access my report, indulging me. After realizing my Transunion Report was not showing, I called transunion and I was transferred to the Fraud Special Handling Department, that department has been nothing but horrible, nasty and XXXX. They have asked me literally for every single document that makes me a person. I send them a copy of my WA State ID, my SS Card, my passport, They requested different forms from SSA and I had to go to SSA Office many times to get documents. Transunion have received all this documents and they don't communicate with me, I have to be the one calling just to find out they denied my request to release my report. Transunion has continue to keep my information locked up. Recently I moved to a different apartment and because of this issue I had to pay over {$5000.00} of moving cost because my transunion report was not showing and I'm being seen as liability by creditors. Yesterday XX/XX/XXXX I spoke with Fraud Special Handling department manager XXXX XXXX, in the moment I told her that I was immigrant as I was explaining to her why I was issue a new social security number. XXXX XXXX started to be XXXX and started to speak over me with out giving me the opportunity to finish explaining to her. XXXX XXXX as a manager she has discriminated against me and is literally holding my information hostage, to the point that I'm in financial hardship because I'm not able to get the credit I deserve. I NEED MY REPORT TO BE RELEASE IMMEDIATELY

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 2022-12-14
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:
IN accordance with the fair credit reporting act, the list of account below has violated my federally protected consumer right to privacy and confidentiality under 15 u.s.c 1681 Account NameXXXX XXXX XXXX XXXX Account Number... XXXX 
Account Name... XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Number... XXXX Account Name.. XXXX XXXX XXXX  Account Number.. XXXX Account Name ... XXXX XXXX XXXX in Account number... XXXX Account NamXXXX XXXX XXXX XXXX XXXX XXXX  Account Number... .. XXXX Account Name XXXX XXXX XXXX Account NumberXXXX XXXX XXXX ... XXXX Has violated my rights. 
15 u.s.c. 1681 section 602 A. State, I have the right to privacy.

15 u.s.c. 1681 section 604 A. Section 2 : It also state a consumer reporting agency can not furnish an account without my written instructions..

15 u.s.c. 1681 C. ( A ) ( 5 ) section state no consumer reporting agency may make any consumer report containing any of the following item of information any other adverse item of information/ other than records of conviction of a crimes antedates the report by more than seven years.

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

There is a need to insure that consumer reporting agencies exercise their grave responsibilities, with fairness, Impartiality, and respect for the consumer right to privacy..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: BOK FINANCIAL CORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
This complaint regards a BOK Financial checking account, which I opened in mid-XXXX at a XXXX branch of what was then Bank of Arizona. Since then, I have made frequent use of the account for debit-card transactions, ATM withdrawals and international wires. 

On XX/XX/2020, an attempt to pay a medical bill using my debit card failed, and I noticed subsequently that I was unable to log into my online banking or withdraw funds using an ATM. When I called XXXX XXXX, I was told my account had been " terminated. '' I had not - and, to this day, have not - received any kind of written notice to that effect. 

When I asked for an explanation, I was told that only the bank 's fraud department would be able to provide details, and that said department was closed. Ultimately, a supervisor told me that I had been labeled a " potential mule '' in internal notes. The supervisor said she did not know on what basis the fraud department was making that accusation. 

I noted that, particularly in the midst of the current pandemic, there was an urgent need for me to retrieve the {$1300.00} deposited in the account. I was nonchalantly told that I no longer had an account with BOK Financial and that my funds would be returned in the form of a check to my address or file in a time frame that could exceed 10 business days.

I asked to be connected to the fraud department and left a detailed voice mail about the aforementioned events, expressing my outrage and having been labeled a " mule '' and asking for an explanation and assistance. My call was never returned, and BOK Financial has not reached out to me in any way.

Company response to consumer: Closed with explanation