BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-17
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX I found a transaction in my savings account, dated XX/XX/XXXX, where XXXX did a trial debit of {$1600.00}. I immediately went to TD Bank in XXXX and filed a claim XXXX. The CSR said it was a debit fraud issue. It was actually an ACH issue I found out a week + later. Later that evening I found another trial dated XX/XX/XXXX. My account was then frozen and I could not access online banking. I was being told I had to agree to a verbal (? / used to be a written ) disclosure and the phone wait time in the branch is 2 hours. I have yet to get a response to my claim as to whether I am safe to use my accounts again. They have told me the funds were not taken since I reported the same day, but I have no update as to whom tried to take my money. Their voicemail is vague and I left 4 messages XXXX. I found out last Friday that they don't answer the phone. Then why was I given their # to call?? This operating procedure is unacceptable. I got the runaround from XX/XX/XXXX - XXXX. I could do no banking nor see if my remaining funds were in tact. Coincidentally, I just heard that my employer 's payroll person is being accused of stealing money from the company. Hence why I am concerned also about my remaining accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: SLM CORPORATION
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
In spite being told to stop contacting my friends and family about my debt they continue to call them. We are working to correct the debt but they wont listen and badger my family about other contact information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: BB&T CORPORATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
In XX/XX/2017. I purchased a cashiers check from BB & T bank in XXXX XXXX  TX. The check was for XXXX XXXX  of XXXX XXXX XXXX. Make Homes Affordable The check was for {$1500.00}. After a two week long period?. I had been calling and emailing her and no response. I called the XXXX XXXX   Police Department.

They had decided that the company was XXXX XXXX and we had been scammed. I asked BB & T to track my check and they said it had been cashed.

BB & T would not give me any information about the bank or the company that had cashed it .There was not enough catagories for XXXX XXXX and XXXX XXXX XXXX . This involves all of them and so Im asking for them all to be investigated.

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have tried twice to make online payment and 2 weeks later the amount is taken out when I have no money in account. Kohls credit calls every day back to back. I have answered and told them I am at work and to quit calling and they just call right back. I owe XXXX bucks. I tried to set up online payment plan due to covid but never got an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: Experian Information Solutions Inc.
State: AL
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 am a victim of Identity THEFT. 

Pursuant to section 605B of the Fair Credit Reporting Act, and send the required notice to all businesses that supplied this information. If not complied with i will have to take legal action. The Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the business that sent you that information.AS of XX/XX/2018 my documents were received by your company. Today is the XX/XX/2018 30 DAYS PASTTHE time allotted. To block fraudulent information on my report. As of todays, date I have submitted a complaint to the following secretary of state, XXXX, Consumer Finical Protection Bureau, and the FTC, letter motorized and the a copy of the police report, Green return receipt. I appreciate prompt attention to this matter.

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 2017-08-07
Company: EQUIFAX, INC.
State: NC
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:
I filed disputes with Equifax on XXXX XXXX,2017. They sent me emails that confirmations XXXX and XXXX were ready for me to retrieve them on X/XX/2017 and X/XX/2017. However, every time I go to their website to retrieve the results I am not able to access them because their website has been down for weeks now. I 've even called them a few times about this and every time I call they say the some thing. They say they are doing maintenance on the website and it should be back up within 48 hours. They 've been telling me that now for weeks. As of this morning it is still down.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I received a notification today that Chase was increasing my interest rate from 11.24 % to 16.24 % simply because as stated on the letter, because the existing APRs are below the lowest APRs we currently offer. On the front and back of the letter, for everyone to see was the following statement : Important Information Enclosed Changes to Your Account. First, I am not happy that they have just decided after 13 years, that they need to gouge me with an interest rate of 16.24 % which is absolutely unconscionable in todays market. If they routinely charge their best customers that type of interest rate, I would hate to have missed a payment in those 13 years. I can only imagine how high the rate could go in that situation. Anyway, back to the letter. As I understand the privacy rules, Chase should be protecting my information, not publishing the fact that I have an account with their bank on the front of a mailing for the world to see. This was not even in an envelope, it was a Tri-Folded paper barely glued on the ends. Inside was the last 4 digits of my account. Anyone who knows anything about credit cards could quickly determine 12 of the 16 digits of my account simply by using one of Chases BIN and  the last four digits they provided in this very insecure mailing. That leaves only 4 digits to figure out. How long would it take for a computer to crack the code on that one? This was a very important notice. This is a notice that Chase should have to prove that the customer received. The fact that they just mailed it does not prove that a consumer recieved it. To be honest, I almost threw it away because it looked like junk mail. This is a change in the contract, not an adjustment based on the terms of the contract, but a change in the basic contract itself. Finally, I understand that Chase has itself covered from a legal standpoint on the interest rate adjustment, but I find it a very unfair practice to only adjust rates in one direction, that being up. Would it not be more fair to all the other consumers who have paid their accounts on time to recieve an interest rate reduction since obviously prime plus 5.99 % is more than a fair rate? I have closed the account with Chase because that was the only way not to have the rate increased, but this is not a fair way to treat consumers. Note that the attachment shows the condition of the notice as it was recieved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Bread Financial Holdings, Inc.
State: GA
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 am victim of identity and this issue is never ending as I continue to have fraudulent accounts opened in my name. I have contacted the credit bureaus, and creditors and this is just becoming a daily occurrence of trying to rectify the identity theft issues that are happening on a daily basis. Especially, since I continue to submit documentation and I have had no response The fraudulent account is ComenityCapital/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chase Bank closed my onlinebanking. my debit card and is in process of closing my checking.They have my account restricted to non-withdrawl of funds saying they will mail me a check in ten days.No prior notice. yet they are still allowing funds in but none out. I switched my direct deposits to another bankThey will not give me a reason just that the contract I signed gives them the right to do so.This all started on XX/XX/2018 pst about XXXX.Still can't get them to let me close it, get any funds or check my balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We have applied for refinance of our current home with J.P Morgan Chase, and we are concerned that we are not being treated fairly during the appraisal process. 

The appraisal report intentionally lowered the value of our home and it came out favoring the Bank 's interest for the following reasons : 1 ) The appraiser used homes in a different school district to benchmark against our home. Our home is located in the best public school district in XXXX, therefore, the high house price is driven mainly by the reputable school district. It is commonly known that the houses in the neighboring school district values $ XXXX lower than the houses in our school district. 

2 ) The appraiser used homes in a subprime location to compare against our home. Our house is situated in a quiet cul-de-sac court, and the appraiser used homes in a street corner or home right next to a major highway in the report, which definitely worth less than houses in prime locations. 

We have attempted to appeal the appraisal value on XX/XX/2020, but the appraiser declined to reconsider with the facts we stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I caught someone trying to use my debit card number by email. i had alerts set up on my account. i called wells fargo immediately and they cancelled my card. They said they would send out another debit card.. Almost 3 weeks later i still do not have my debit card. I have called wells fargo repeatedly and they said it is on the way. # three weeks is unacceptable. They should have sent this card out priority I just saved them thousands of dollars catching someone from stealing. Now all my bills are late and my credit will suffer because of my auto drafts set up to pay using this debit number they closed.

They have penalized me for catching a criminal and saved them thousands.

Wells Fargo should be awarding me not destroying me... Evidently, they reward criminals for stealing because I am the one suffering.

Solution : Wells Fargo Pay me {$10000.00} for the hassle and to repair my good standing in the credit community. This will cover credit repair and my time.! 

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 2017-09-16
Company: EQUIFAX, INC.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Good Morning : My credit information was included in the recently disclosed ( XX/XX/XXXX 2017 ) Equifax security breach. I would like to place a security freeze on my credit file at the 3 major credit bureaus, but each charge a fee for this action. This action is wholly required due to Equifax 's failure to secure information, Equifax should cover all expenses incurred by consumers to protect their credit information for the rest of their lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: EQUIFAX, INC.
State: LA
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 have been patiently waiting for a response from the bureaus and have not been notified. 
I am asking them to simply to Validate the accounts that are reporting on my credit report. They have sent a copy of my credit report but it does not address the items that I am asking to be investigated/ updated and removed. Please investigate the accounts I have included on my letters that needs to be validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XX/XX/XXXX Returned Online ACH Payment Other XXXX XXXX. ... XXXX {$290.00} XX/XX/XXXX Returned Online ACH Payment Other XXXX XXXX. ... XXXX {$300.00} XX/XX/XXXX Security Deposit Applied Other XXXX XXXX. ... XXXX {$190.00} So, this Capital One Credit Card company decided that because of my ACH payments were returned twice, the company decided to close my account, I was simply trying to build my credit, and apparently having returned payments to a credit card company brings your credit score down, or so they say. Also I am complaining that the representative supervisor decided to hang up on me because she said I was being rude and not speaking at a professional level, well when Capital One Department decides to close your account behind your back without talking with you, and says they sent you a letter determining the reason of closing the account, why cant these guys be professional. I will never do business with them again,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : Original Creditor, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX Company Inquiries : 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 explanation
Consumer complaint received 2020-10-14
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
In XX/XX/2019 took out a title loan for {$3000.00} with XXXX. over the year I have paid {$2600.00}, however, XXXX is saying that I owe {$4500.00}. I feel that their practices are suspicious and unwarranted. 
I continue to make payments but my balance is not going down.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: ALLY FINANCIAL INC.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX provided me with a consult to have a procedure done, I told them I hadn't decided yet and wanted to wait. I was asked if I wanted to check with their lender to see if I qualifed for financing, I said ok. 

Ally Lending XXXX XXXX XXXX XXXX XXXX NY sent me a payment for {$110.00} towards a {$2900.00} loan. I told them I did not have any services rendered and did not wish to do so, they are filing with XXXX. 

I spoke to XXXX and they were very adamant that I had signed a contract. I told them I would not be doing any services with me and they held the attitude that I had signed a contract. 

I unknowingly must have signed when I filled out the info for Ally credit. I will not be receiving services from them and I will not be paying any money, however I'm worried how this will affect my credit. 

Just this morning they sent me a new contract to sign. 

Please advise, I believe XXXX Image runs a scam, to push people into using their services.

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 2018-05-17
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On Wednesday XX/XX/XXXX, I used Chase 's Quick Pay feature to send {$350.00} to a woman named XXXX XXXX. 

Unfortunately, Chase did not send the funds to XXXX, but instead to another person who stole my money and did not return it. 

I reached out to Chase and explained the situation, I opened a case of fraud ( Claim # XXXX ) They said they would investigate further. They initially gave me a credit, but then reversed it and said because I authorized the transaction, they were not responsible for delivering my funds to the wrong person. 

After escalating multiple times, they would not return my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX ; Experian and XXXX should not be reporting a collection/chargeoff in the amount of {$3400.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report ; a copy of the settlement letter, along with a copy of my Drivers License and Utility Bill for identification purposes. ) This account was settled and needs to report a {$0.00} balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of a collection/chargeoff is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-11-05
Company: Experian Information Solutions Inc.
State: DC
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:
The following accounts do not belong to me as all my previous and current medical bills have and Since XXXX been Covered and paid for by dc XXXX and under XXXX XXXX XXXX  XXXX, My identity has been compromised in the past and this is the result of identity theft. It has been reported, therefore I'm demanding that this accounts be removed immediately from my credit files. 

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  {$450.00} Balance updated XX/XX/XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$1100.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney CO Original creditor : XXXX XXXX XXXX XXXX XXXX  {$500.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney DRS  Original creditor : XXXX XXXX XXXX XXXX {$1100.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney

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 2020-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX  ; XXXX and Transunion should not be reporting a collection/chargeoff in the amount of {$3400.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report ; a copy of the settlement letter, along with a copy of my Drivers License and Utility Bill for identification purposes. ) This account was settled and needs to report a {$0.00} balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of a collection/chargeoff is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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