BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-06
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Hello Dear CFPB I applied to open Navy Federal Membership and Checking Account and filled out my new address in application but send them my old driver licence by mistake and company was concerned and did not open me account, since then i updated my Identification and send them new driver licence and utility bill but they still denied opening checking account for me. Please see attached documents what they send to me. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: Conn's, 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:
I went into the XXXX 's XXXX store in XX/XX/2019 and applied for an installment loan related to a product I had purchased. I had the supervisor and what appeared to be a new employee both fill out and application for me and I was given no information about the loan before I left just that it was accepted and the product would be delivered by the end of the week. A month goes past and I begin to receive phone calls/texts that my account was in default although I had never received any information via phone or via mail about my account number/first payment. I was able to contact a customer representative who opened a new account for me and provided me with all my information as she stated the initial account contract was written incorrectly. Since then I have paid off the correct second account, but the initial account that was written incorrectly and should have been closed per the customer representative was never closed and I continued to be harassed for payments. Every phone call I have had with them was one where I had to reexplain the situation and they would proceed to review the report and see that a no call status was on my profile, but I continued to receive call requesting payment. Since then I have also been charged extra for the account that I did pay off and was closed. My credit report/score has had incorrect information on it and been lowered due to this information. I am able to provide additional dates as well as chat logs/phone logs of when I contacted/was contacted by the company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-29
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : ( LATE/CLOSED ) XXXX XXXX  XXXX XXXX Balance : {$0.00} ; ( CHARGE-OFF ) XXXX XXXX XXXX Balance : {$640.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; ( COLLECTION ) XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$430.00} ; XXXX XXXX XXXX XXXX Balance : {$390.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-16
Company: JPMORGAN CHASE & CO.
State: CA
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:
I believe that I have been treated by Chase unfairly for years. They have closed my credit accounts & bank accounts a couple times during the past few years without giving me any specific reason at all. Every time when I called them to ask for a reason, and even try to explain in case of any misunderstanding, they never gave me a fair explanation but kept telling me that they had the right to do so. 

In XX/XX/XXXX, I successfully opened a new credit card account ( XXXX XXXX Credit Card issued by Chase ) after my previous bank accounts and credit cards were closed on XXXX. Three months later, however, I got a mail from Chase saying that " after careful consideration, we decided to close your credit card account on XX/XX/XXXX, because Chase closed a previous credit card, deposit, or investment account. '' Although they did close my previous accounts, I never get to know the reason why I was blacklisted, and this upcoming account closure reminds me of being treated so unfairly starting XXXX. 

The first time Chase closed my bank accounts without providing any reason was in XXXX when I was still a XXXX XXXX at the University of  XXXX XXXX XXXX. The only reason I could think of is that I made a large amount of cash withdrawal ( about XXXX ) to buy a used car from a private party ( I was not familiar with bank services and cashier check at that time ). If that was really the reason, I strongly believe that I deserved a chance to explain. If not, why would Chase do that to a foreign student who just came to the United States?? 

After that, I did reopened bank accounts and credit card accounts in XXXX after I got a social security number and built some good credit history. However, they still closed the new accounts over a year later. Again, they did not provide any reason. It was my guess that it took a while for them to find out that they closed my previous accounts, which was not associated with my social security number. 

The information above clearly narrates my banking relationship history with Chase from XXXX to XXXX. I am so frustrated with the fact the Chase kept closing my accounts without any justifications, resulting in considerable unfairness and inconvenience for me. I am just an ordinary person who came to the United States as a foreign student, studied and worked so hard, graduated in XXXX with good standing and since then have had a stable job as a professional engineer. I could not think of one single reason for Chase to treat me like this. Chase never gives me a fair explanation for repeatedly closing my accounts. Chase never gives me an opportunity to explain in case of misunderstanding. Chase does not expunge my gratuitous blacklist status ( which is definitely a mistake! ) even after 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2021 I visited XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX during visit I was advised that I need to do dental cleaning, I had dental insurance and I requested to check and confirm that the procedure will be covered by my dental insurance, XXXX XXXX XXXX representative checked and advised that insurance will cover, and my out of pocket expense will be {$150.00}, I paid the fee immediately with my credit card, signed an agreement, and schedule to perform the procedure on XX/XX/XXXX. 

On XX/XX/XXXX I came to do the procedure and was told that I need to do deep cleaning, I asked again if it will be covered by my dental insurance, and XXXX XXXX XXXX confirmed that it will, I performed the procedure. 

On XX/XX/XXXX I received a mail invoice to pay {$700.00}, I called XXXX XXXX and advised that the invoice is incorrect, that insurance should covered, XXXX XXXX XXXX checked, and advised that the procedure that they performed was not the one that is covered by insurance, I told them that I asked to check before they performed it if it will be covered, and they did confirm. 

If they would have told me that is not covered I would not have done the procedure.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: EQUIFAX, INC.
State: FL
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:
somebody used my personal information, i don't recognize this inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-06
Company: WELLS FARGO & COMPANY
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:
In XX/XX/2019, I purchased the a computer from XXXX, and they kept on delaying their shipping, due to numerous excuses, such as weather condition. After a long-time waiting, they suddenly claimed that they had delivered the package for me, although I did not receive any shipping information email from them. Since I never received any package, I had been contacting XXXX and the carrier for over 4 times, and all I got was they were trying to push the responsibility to each other. Then I disputed this transaction with my card issuer, and they called me on XX/XX/2019, indicating that they had received important information regarding to my dispute from XXXX, which was nothing but simply the delivery confirmation of my package, as the one I got from XXXX and the carrier before, and closed my case according, with nothing else they can do. Apparently, such result is totally unfair and unacceptable : 1. XXXX could simple send an empty package with a brick in, and claimed that it had been delivered.

2. I did not sign my package. According to the signature, it was signed by somebody else, but not me.

3. If the package was lost, it should be the seller, XXXX who need to take the responsibility to negotiate with their contacted carrier about the loss or their insurance company if they do have extra one otherwise.

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 2021-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
This company did not complete an accurate investigation for the fraudulent account on my credit report. I have submitted my FTC report along with dispute letters since XX/XX/2021.

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 2022-02-04
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
TheFair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681et seq, isU.S. Federal Governmentlegislation enacted to promote the accuracy, fairness, andprivacyofconsumer informationcontained in the files ofconsumer reporting agencies. It was intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in theircredit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, includingconsumer creditinformation. [ 1 ] Together with theFair Debt Collection Practices Act ( FDCPA ), the FCRA forms the foundation of consumer rights law in the United States. 

All three credit Bureau are not reporting credit file correctly I have challenged and disputed information and they fail to correct anything on my credit Bureau 1. Equifax 2. XXXX 3. XXXX All three credit Bureaus refuse to obey by federal law they are in direct violation of federal law, statue of limitations they refuse obey by the fair credit act it's a federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: WELLS FARGO & COMPANY
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
To whom it may concern, This is a letter to inform you of the practice of Well Fargo Dealer Services. On XX/XX/2012, I took out a loan for a vehicle for {$9800.00}. The loan was for 48 months. However, I paid off the loan before the due date. 

This year, I received a letter dated XXXX XXXX from Wells Fargo Dealer Services with a check attached in the amount of {$200.00}, stating that they gave me a higher interest rate than it should have been. The difference was 1.016 % higher. 

I did not receive any calculations or methodologies for how they calculated the new rate to determine if this is the correct amount. 

I would greatly appreciate it if you can help determine if this is sufficient and if there are any other fines or penalties that should be added due to their negligence. 

Most importantly, I just wanted to make this issue made aware of to your department for investigation and/or follow-ups. 

Thank you in advance for your assistance.

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 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX  XXXX has reported incomplete and inaccurate information to this credit report

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 2019-05-06
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint Mortgage Servicing took over my mortgage from XXXX XXXX XXXX at the beginning of the year XXXX have had several banks service my mortgage although I never instigated it. Shellpoint insists that my mortgage has been 1 month late since XXXX. Although I have made every payment with only 2 late charges since XXXX they insist I am one month behind for the amount of {$3800.00}. The other banks never mentioned this. I received my loan history report [ enclosed ] and discovered where / when / why the problem started. I emailed Shellpoint a letter explaining everything in detail [ enclosed ]. I just received a letter from them explaining that they had made up there mind and will not open my complaint again. It is a very clear but Shellpoint refuses to admit their mistake. They call me every day on both my cell and home phone and they send me foreclosure letters.They want me to pay the amount and if they are found wrong they will give it back to me. Please read the attached emails .. I spent alot of time putting this together. Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
have been battling with EXPERIAN since last year because of their unlawful and unauthorized reporting. 
To this date, they have not solved the issues and continue reporting derogative information that is causing me harm, stopping me from receiving any further credit extensions, and higher interests. 
My last communication with XXXX was on XX/XX/2022, where once again ( previously submitted other disputes and FTC identity theft report ) I submitted my disputes along with an identity theft report, proper identification, proof of current place of abode, and my statement regarding the issues to be addressed. Pursuant to 15 USC 1681c-2 they had to block the information being disputed and correctly identified on the FTC report in 4 days. Today is XX/XX/2022 and said information is still being reported. I filed a complaint previously and they still have not resolved the issue ( XXXX ) eventhough they had BY LAW 4 DAYS, Experian is violating my consumer rights and violating the laws by which they need to abide while nothing has been resolved. 
In my FTC report, you will see that XXXX XXXX  is listed as not having any kind of contracts with me, no authorization, no debt validation paperwork has even been sent back to me, yet Experian continues to reply " verified '' by default to my disputes. I also disputed XXXX XXXX. The payment history is wrong, I was never late, and after XXXX  XXXX  and Experian did " investigations '' ( said investigation methods are yet to be disclosed to me ) they still continue reporting lates, which DID NOT HAPPEN. Furthermore, pursuant to 15 USC1681a- ( e ) factual information should not be included, these were my written instructions on the numerous written communications I've sent to Experian XXXX yet they willingly and knowingly continue violating my privacy, my consumer 's rights and still answer they are still working on my issue! 
BY LAW, EXPERIAN WAS TO BLOCK SAID INFORMATION WITHIN 4 DAYS OF RECEIPT. THIS HAS NOT HAPPENED, THEY ARE IN VIOLATION

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 2019-09-25
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:
since XX/XX/XXXX I've been a victim of Identity theft I also was robbed of my Identity when I was moving out of a home in XX/XX/XXXX I filed police reports about both incidents so I been disputing inaccurate information that's being reported on my credit report by all 3 beaus and they refuse to remove them from my report I've disputed also with the creditors and they have not responded to my disputes. Bank accounts has been opened in my name with XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, accounts with XXXX XXXX, XXXX, XXXX and XXXX I've disputed all these accounts and I reported Identity theft with the FTC, XXXX XXXX and XXXX County Sheriff Offices, You guys are my last result before I lose my mind about this so please help me to resolve these issues an remove the from my credit and Banking reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-04
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Scammer ), XXXX : XXXX  ( the Scam Website ), all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account via debit card and through an intermediary named XXXX XXXX and XXXX in the total amount of XXXX USD utilizing JP Morgan Chase services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
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: Account information incorrect

Complaint:
XX/XX/21, XXXX emailed me about a new card which I did not request. 
XXXX closed the card and told me to call XXXX to request a fraud alert. 
I talked to XXXX and Experian and I asked both to REMOVE THE HARD INQUIRY from XXXX on XX/XX/21. 

As of XX/XX/21, XXXX did not remove it and Experian is refusing to give me a credit report.

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 2020-06-23
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
Date of problem : XX/XX/2019 Total amount in dispute : {$3500.00} Company in dispute : Square ( Cash App ) Problem : I had my income tax deposited to my cash app and after a few totally legal transactions, my cash app wouldn't allow me to withdraw, add, and receive money. A year later, and my money is still stuck on my cash app. I'm a single mother with XXXX kids, I tried everything. I tried contacting them, to no avail.

Company response to consumer: Closed with explanation