BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX account number XXXX in the amount of {$3700.00}. I have no knowledge of this account please remove.

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 2018-08-19
Company: CITIBANK, N.A.
State: MD
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:
On XX/XX/2018, I tried obtain a free annual credit report from XXXX  using the website XXXX XXXX XXXX XXXX. My attempts were blocked without explaination. 
I immediately filed an complaint with CFPB against XXXX for not allowing the consumer to obtain theri reports online. To date CFPB and XXXX has refused to address or acknowledge this complaint. 

I had to submit an written request to XXXX  to get a hold of my credit report. Once I received the report I immediately disputed several inaccuracies. XXXX  reffused to correct or acknowledge all of the disputed information and then refused to sent an updated copy of the consumer credit report showing correction. 

I received XXXX  report # XXXX dated XX/XX/18. XXXX  has refused to investigate and fix the following complaints : Although Cicitbank is reporting my credit limit to XXXX. XXXX  has removed the credit limit on my Citibank account with full knowledge without showing this information it affect my debt to credit ratio and intentionally lowers the consumer credit score. 

I again reached out to Citbank and verfied reporting of my credit limit. In addition all other reporting agencies are showing the Citibank credit limit. Therefore, I would like to file a formal complaint against both Citbank and XXXX  for targeting minorites and intentionally lowering their credit scores by refusing to show the availble credit limits intentionally lowering the consmer credit scores.

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 2018-05-15
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Dear CFPB, I am very concerned that I had money removed from my accounts by XXXX XXXX   employees. Over {$400000.00} was removed from my accounts and invested without me being told of the movement. I never gave anyone permission to remove money from any of my accounts. I had a lawyer but not hearing from him in two weeks I figured he wasn't going to do anything for me. Because I didn't sign papers for him to request my bank statements. The last meeting I had with attorney XXXX he asked if I wanted him to suggest a lawyer to help me. I went looking for another lawyer myself. 
I first learned of the money being removed from my accounts in XXXX, I called the bank and was told to call the CEO XXXX XXXX, I was confused but called and wrote him several times over the pass 11 years. 
A bank manager XXXX XXXX at the XXXX Ohio branch for some reason either was appointed or took it upon himself to except any calls concerning my compliant. He obviously told whom ever called that everything was taken of when it hadn't. He told other bank managers not to look at my bank statements or to listen to my compliant. I had informed other departments of the bank but nothing was ever done to rectify my loss. 
I feel with XXXX XXXX being the CEO he should have appointed someone to look into the matter for me. Not one bank official sat down with me and went over my bank statements. I have lost a lot of money and a life from XXXX because of learning in XXXX that {$100000.00} of the deposit was missing I took the blame thinking I wasn't paying attention when the two checks were deposited, my life has been a shambles. 
Someone needs to take responsibility for the lost of money and a life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I pulled my credit reports and found multiple hard inquiries I dont recognize on my Equifax report. Lots of inquiries look like fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
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: Information belongs to someone else

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: WELLS FARGO & COMPANY
State: UT
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I found out about about my savings account my grandmother had opened for me back in the early XXXX 's in XXXX. The account had originally had been opened at " XXXX XXXX Bank '' in XXXX, Oregon. XXXX XXXX XXXX XXXX Oregon had closed after she had opened it and all their accounts had been transferred to Wells Fargo of XXXX Oregon. My grandmother and I both went into the branch " WELLS FARGO '' in XXXX, Oregon. Sat down with a banker and was informed that my account was nonexistent. At the same time was told that my grandmother had never had a account with them at all, witch wasn't true. I have statements from Wells Fargo for other accounts my grandmother had with my grandfather. I've also went into " XXXX XXXX '' in XXXX, Oregon and they have no record of my account. I've called both branches I don't know how many times now and just today was informed to call " FTC '' and " CFPB ''. I have phone conversations with Wells Fargo recorded where they basically said I was screwed about my account and money that it had been to long and that money had to be in the pot of money that all states have when money goes unclaimed and also that my account had probably been closed due to no activity in the account. Well i thought that it being a savings account their was activity because of the interest going into the account. Well I checked with Oregon and my name wasn't there. So where is my money then? 
I also have another complaint about Wells Fargo. I was informed by Wells Fargo the other day that I had a account opened in XX/XX/XXXX and closed the following day, XX/XX/XXXX. This account was opened without my consent or knowledge. I am very unhappy with Wells Fargo and how they have dropped the ball with not just myself but with my family.

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 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Ive had identity theft items on my credit report for months, some over a year! Ive sent multiple disputes and emails with no action taken whatsoever! Dont credit protection laws apply to you guys or no?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following accounts and inquiries. Please Block and remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
account number - XXXX name of Bank - " Chime '' transactions in question XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX total : XXXX I Am the consumer, natural person fact ; this bank advertises XXXX fraud liability for the checking accounts it Offers to its consumers, fact ; The transactions were brought to the bank attention 3 separate times, fact ; the " financial instution '' choose to decline the claim that these charges were unauthorized fact ; pursuant to the FDPCA no consumer can incur a debt for personal, family, or household purposes ; fact.

I swear to all the information provided herein, I do so under the penalty of perjury that the information I so affirm to be true, correct, accurate to the best of my ability and knowledge, so be it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: CURO Intermediate Holdings
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I dont recognize the loan amount and date and place they open the collection account. 

Initial date and address and the store location mentioned for speedy cash in the amount of XXXX and the location XXXX Texas dated XXXX as per records don't even match my physical presence on that date I was not present physically in the state of Texas. 

I did had speedy cash loan but on a different date and different location and stare which was completely paid and never renewed, I do believe it was duplicated in my name on a different location n time. 

I m hereby attaching sone receipts from XXXX I was driving and food delivering commerce California and was physically present in XXXX XXXX California. 

I dont hv XXXX account anymore but I m trying to retrieve it further, I have tried agency for disputing it credit repair tried self dispute but the collection agency XXXX XXXXXXXX keep on posting it on my credit report back to back without giving me a decision or naturality of fact how can I be possibly physically present at 2 places at same time. 

I have given more proofs via credit repair but I no longer working with them was not satisfy if needed I can provide more

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: Mr. Cooper Group 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:
This company is erroneously reporting late payments on my credit report I have not made a late payment, this has caused my credit score to drop 120 points which is causing harm in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
There is an account with the original creditor being XXXX that was a fraudulent account that has been disputed several times this account is now being reported under XXXX XXXX as a collection.

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 2018-10-03
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2018 I submitted a dispute to all 3 major Credit Bureaus Agencies regarding identity theft. I have yet to have my dispute resolve or any feedback regarding this matter and its been well over 60 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-17
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My Chime banking account has been hacked. They have refused to refund the money that was spent in some XXXX shop. I live in Ohio. I've proven to them all of this and still haven't got my {$380.00} dollars back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: EQUIFAX, 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:
XX/XX/2021 I am very distressed with this matter. I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not recived a response yet. I did my own due diligence and I know the credit bureas have 30 days to reply back and they havent. I feel like the credit bureas are taking advantage of me by ignoring my disputes I took time to send them. Sectyion 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. Or I will file litigation due to the stress they cause me. My information was impacted by the Equifax data breach may have got into the hands of the wrong person. I am begging for help at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. 

I do XXXX XXXX XXXX, I am quite known in the XXXX XXXX and I always deliver my commissioned works on time. I have done nothing wrong. 

I have not been able to get help from them but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I use PayPal quite frequently. My email linked to my PayPal is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: JTM Capital Management, LLC
State: MI
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
All of the above happened actually. I am receiving frequent and repeated calls, the caller is using obscene and profane language, he is calling and harassing my family, and I have sent in a letter asking them to only contact me by USPS. I have never received anything in writing from the company, even though it has been requested and they are continuing to contact my family, friends, and people I do n't even know about my debt breaking every privacy act for me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: TrueAccord Corp.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I ordered a XXXX jacket through the XXXX XXXX paid in full XXXX XXXX payments one for XXXX and the other was XXXX. I never received this jacket. I have disputed with XXXX and XXXX and the post office that misdelivered my package and between all three companies involved no one wants to except accountability. Post office marked my package delivered but it was to the wrong address. I went to the post office and they showed me a map to where the package was delivered and it wasnt my house. Then I was told they not responsible for misdelivered packages. No one would help after numerous disputes with the companies involved. I had no choice but to file a claim with my bank and got a charge back for non receipt of goods. I will not pay for something I never received. Its a shame that XXXX. XXXX and the post office would treat their customers like this. I dont owe XXXX anything I paid for all items ordered except the item I never received.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Today XX/XX/XXXX I received correspondence from Bank of America with a debit card. I was with bank of America over 10 years ago and closed my account in XXXX. I checked e-mail address that I used when I was with the bank to see that there's 3 e-mails from XX/XX/XXXX about an application, that the application was in progress then that it was approved. On XX/XX/XXXX I got a welcome to your new account and giving instructions on what to do, funding account, XXXX monthly fee for having an open account and others. I called Bank of America today XX/XX/XXXX spoke to a rep advised I received a debit card in the mail and didn't open an account, she transferred me to the fraud dept. The gentlemen starts asking questions to verify me I advise to him the same I received the debit card and didn't open he says he can get the account closed but then refused to when he wanted me to verify my full ssn. He said I can go to a local branch I advised him were I am located at and that the nearest Branch is around 400 miles away. He said he would send an e-mail to allow me to close the account. Only e-mail I got was about protecting my Identity

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 2018-10-03
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
" XXXX XXXX XXXX '' at XXXX has contacted my wife as well as my former roommate regarding a debt matter originating from XXXX XXXX XXXX. One " XXXX XXXX '' given as the caller, automated call. I called back and received a voicemail repeatedly with an unconfigured box. When I finally spoke to a person, " XXXX '' or " XXXX '' she explained that this was a debt from Ace and they were seeking resolution. I confirmed they had my new address and correct phone number, and was informed that the case was being filed in XXXX County, OH ( where I used to live ). She asked several times if I was seeking to resolve the issue, but that they were not debt collectors, merely legal processors for Ace  's claim. I stated that all I was trying to do with this call was to get them to stop calling people who are not me about this matter, and she hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: EQUIFAX, INC.
State: NJ
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:
When CV19 hit, I had to shut down my business, as millions of others in America had to do.

The mortgage company offered a forbearance for 3 months. I paid all past due amounts after 60 days and this is still showing up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: Flagstar Bank, N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
The insured property address is XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXXXXXX. We are Flagstar Bank Loan # XXXX. 

The fire settlement check came in from XXXX and was overnighted via USPS Priority Mailed 1-day Express on XXXX to Flagstar Bank ( XXXX, XX/XX/XXXX ) to deliver XXXX ( Not sure their XXXX work day schedule ). I conformed to Flagstar instructions on the mailed signed/dated Letter of Intent. 

As I followed-up ( please see the attached emails ), I was told they didn't need anything else from me. 

In further following-up, the story changed. I have talked to many of their customer service staff, as shown on the attached correspondence and handwritten notes. 

I am currently awaiting a supervisor to call me back re : expediting payment processing. I have attempted to consult their legal team, to no avail. 
Our team has contacted the Federal Reserve Consumers Helpline XXXX twice, and I have informed Flagstar of that. XXXX at XXXX told me to contact you as the Flagstar Bank Regulator. Today, I called CFPB ( you ) contact center at XXXX, spoke to XXXX who told me online was faster. 
The Flagstar story is that a 2nd duplicate signed/dated Letter of Intent was required. As of this morning about noon CST, XXXX, the Flagstar customer service contact XXXX # XXXX told me they haven't scanned the 2nd LOI yet, and then the 15-30 days clock starts again. I have also spoken this morning with XXXX ( XXXX ), # XXXX in an attempt to reach a supervisor or legal representative. XXXX has been the best one there, so she gets a gold star for concise info. 

Part of our tenacity on this matter is that we aren't the only ones probably that Flagstar is pulling this on. Flagstar also charged me another mortgage payment on XXXX for the loan that they received on XXXX the XXXX settlement-in-full check. 

We have another loan awaiting the proceeds to pay off, and business expenses ongoing for this investment property. 

I am an educator in the world of learning differences, so this property is an investment diversification for me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation