BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-03
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/XXXX i opened a dedicated account for my XXXX XXXX XXXX XXXX. This account is solely meant for deposits from ssi for back payments After a year and 2 installment payments we were anticipating the 3rd and final installment from social security. Due to covid -19 pandemic social security did not deposit the 3rd installment on XX/XX/XXXX which was the expected date. I had a check to cash at wellsfargo for financial aid so i went into to speak with the banker i told him how i recieved the information from social security about the deposit expected to be late due to being backlogged and the fee that was assessed to my account after just resolving it. He told me the fee bringing the account to a negative would not affect the deposit. The week following the deposit wasnt there So i returned to the bank branch where i opened the account and told them the problem and how it didnt have a check mark for direct deposit as services we had and offered to clear the fee assessed to the account in case that would disrupt the account in good standing and the substantial deposit we are expecting i wasnt too sure about the rules tho concerned about ssi policies for deposits made to account i was assured once again by the banker the account was available and ready for the deposit and not to take care of the fee because the seposit from ssi would take care of it and the deposit wouldnt be affected by it. I told the banker once again they were backlogged and the deposit would be late she assured me the account would be ready 3 days later they closed the account due to inactivity and a negative balance i called and the representative told me the account would be back open in 3 days but no we are XXXX because wells fargo lied to us

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 2022-07-07
Company: JPMORGAN CHASE & CO.
State: AK
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:
Auto loan with chase bank, is reporting false information, therefore the information should be removed all together. I spoke with chase bank and they stated that they sent a letter to correct the false information and two other agencies already corrected this months ago ( XXXX and XXXX ) But XXXX refused to fix and report truth and also refused to put a statement on my file explaining the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
THESE ACCOUNTS ARE STILL REPORTING INACCURATELY WHICH IS A VIOLATION OF THE FCRA. I AM BEING IGNORED BY THE BUREAS AND THEY ARE NOT CONDUCTING PROPER INVESTIGATIONS.

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 2021-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

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 2017-08-11
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for an aadvantage gold credit card with citibank that advertised a promotional offer of XXXX  bonus miles for spending {$750.00} within the first 3 months. I spent well over the required amount within the first month. More than 3 months later and I still have not received the bonus.
When I contacted citibank I was told I had received the promotion previously and was not eligible. I have never had an aadvantage gold credit card before.
I would like my bonus miles and an apology for false advertising.

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 2023-05-15
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Please check the status of this account. I was never late on this account and never missed a payment. Please update it immediately on my file. 
XXXX XXXX Balance Owed : {$940.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: PNC Bank N.A.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I would like to transfer money from my PNC checking and savings account to a savings account with XXXX XXXX. Unfortunately PNC is not allowing for accounts to be linked with any outside accounts. XXXX XXXX XXXX only allows money to be transferred through XXXX, which PNC is blocking. I feel as though PNC is holding my money hostage with this action, and forcing me to stay with their savings account that has extremely low interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: EQUIFAX, INC.
State: GA
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:
n accordance with the Fair Credit Reporting act XXXX Account Name : XXXX Account # : XXXX, Account Name XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX Account # XXXX XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX  XXXX Account # : XXXX Account Name : XXXX XXXXL Account # : XXXX Account Name : XXXX  Account # : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: INTEGRAL RECOVERIES, INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I received a letter from a collection agency attempting to collect for a debt from XXXX in the amount of {$1400.00}. 
I immediately called the collection agency and informed them that it was discharged in bankruptcy in XXXX, ( District of Nevada case # XXXX. 
They refused to acknowledge and indicated that they will continue to attempt to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On Sunday, XX/XX/XXXX, I contacted Capital One and advised them of two transactions {$280.00} and {$510.00} mistakenly taken out of my credit card balance by XXXX XXXX XXXX. I specifically requested that I be capable of keeping my credit card ending in XXXX. The customer service representative advised me that she had not requested a replacement card. However, when I called back later during the day I was advised that my credit card ending in XXXX had been cancelled against my request. I then requested to speak with a manager who then indicated that the cancellation could not be reversed. I had planned to use my credit card on Monday and Tuesday of this week. Now that my credit card has been cancelled I will now have to wait until I receive the new card in the mail which has caused me extreme inconvenience. Since XXXX, I have been harassed by the FBI who is consistently using Section 702 to perform a warrantless search and seizure of my personal communications. Apparently, the FBI who has involved the City of XXXX in the unlawful surveillance is capable of monitoring and intercepting all personal call, text, emails etc. They have been intercepting my phone calls and impersonating individuals who work in companies in order to deprive me of my constitutional rights. As previously stated, I never requested or authorized the cancellation of my card ending in XXXX. I specifically advised the customer service representative to avoid cancelling my card by telephone on XX/XX/XXXX. I know that the cancellation was done by the FBI as they have all of my information and have and continue to interfere with my constitutional rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband passed away on XX/XX/XXXX. I, in good faith, did notify the mortgage company the week after he passed. I have mailed in full payments on XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX. These payments represented XXXX, XXXX, and XXXX payments. In the interim, after speaking with the " Relationship Manager '' he recommended that I submit a loan modification for the mortgage. I clearly admit that I am unable to pay this amount with the loss of my husbands XXXX, upon his passing. I had two telephone appointments with this " Relationship Manager '', and our last conversation on XX/XX/XXXX he told me that things were looking " nice ''. On or around XX/XX/XXXX I received a letter and packet from them dated XX/XX/XXXX stating that my application for modification was denied for lower credit and my income to debt ratio. With this packet, they sent me the following two options : Deed in lieu of foreclosure with up to {$10000.00} to restart my life or proof of a listing for a short sale by XX/XX/XXXX. In the interim, the property suffered fire damage for which I finally got payment from the insurance company in XXXX. This payment was in the amount of {$40000.00} and is sitting with their department. I have provided them with documentation to begin the repairs but they are still waiting for more. : ( What I had proposed doing is letting me have the required funds to perform the repairs and apply any remaining balance toward the mortgage. I have hired a realtor and will be listing the property on or around the XXXX of XXXX. I am also advised, by the mortgage company, that I can appeal this process and that will give me 30 more days that they will not pursue foreclosure proceedings. I really need some help here. I have been upfront and forthcoming with this lender throughout the process and have not been avoiding them and just feel that I am being punished for my honesty with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: Mar Joe Enterprises
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have two medical bills ( {$130.00} and {$89.00} ) showing up on my credit report by three collection agencies : XXXX XXXX, XXXX XXXX  and CBC Collections. I contacted the medical group to pay and they told me to contact CBC Collection and gave me the phone number of XXXX to pay the debt with them. I contacted CBC Collections today XXXX XX/XX/XXXX at approx XXXX ) and spoke with XXXX XXXX arrange payment. I asked how to make sure that all 3 collections were removed from my credit report. She told me that XXXX XXXX and XXXX XXXX were both out of business as of XX/XX/XXXX and to trust her that they couldnt report it. I told her they reported to the credit bureaus as recently as XX/XX/XXXX so how could they be out of business. She then said only one was out of business but wouldnt say which one. Again, I said they are both reporting and both have websites that are up and active. She repeatedly told me to just trust her. At that point I asked to speak with someone else because she wasnt being honest with me. She refused to transfer me and said I was making things up. I terminated the phone call because I no longer believed I could trust XXXX CBC Collection to be truthful in how to arrange to pay the debt and have it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: World Acceptance Corporation
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I noticed today ( XX/XX/2020 ) that WORLD FINANCE CO # XXXX has reported a Charge Off ( Account Number XXXX  XXXX ),  on my credit report with a Date Reported of XX/XX/2020. I have been enrolled in informed delivery with USPS for over a year now and have not tracked any correspondence from world Finance. 

If they claim the sent any correspondence, please PROVE this with a tracking number that I received such. Please note : A letter with a date is not proof as this can be generated at any given time. 

I have NOT received ANY communication from World Finance about this debt. World Finance is in violation of the Fair Credit Reporting Act ( herein described as " FCRA '' ), section 623 7 ( A ) ( i ). 

Furthermore, FCRA Section 7 ( B ) ( i ) states that ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency. 

I demand for this trade-line ( Account Number XXXX  XXXX ) to be remove immediately from any and all credit reporting agencies that they are reporting to, and do NOT reinsert this trade-line. 

I will also be filing a complaint with the FTC and Georgia 's Attorney General office. 

I will not hesitate to bring legal action against WORLD FINANCE for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Yours truly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Greetings, On XX/XX/XXXX, I left my place of employment due to a hostile work environment. I followed company policy by informing HR of my abrupt voluntary termination and requested that I be paid my remaining PTO time and wages next pay period. Since I lived at the place I worked ( XXXX XXXX ), I planned to move out of my apartment on-premises. 

XX/XX/XXXX, I moved into my new apartment and drafted the money from my chase account since I was due to get paid on XX/XX/XXXX. 

Unfortunately, the company I once worked for did not pay me the required compensation and because of this, I had to endure 14 days of overdraft fees ranging from $ 33- {$100.00} dollars. Luckily, I had a second banking account with money on it and attempted to live off of that until my situation was cleared up with my former employer. However, I did not have enough money to cover the overdraft because of the situation with my former empoyer and simply had to choose between feeding my family or hoping chase will still provide the overdraft protection for a fee. The former employer not only refused to fairly compensate me within days of their negligence, but also broke Arizona State Law in reguards to Wages and response to a constructive discharge complaint. 

After two weeks of threatening legal action and fighing HR at the previous place of employment, I was paid the morning of XX/XX/XXXX. I immediately transfered the money from my other banking account into my chase account. 

I am claiming hardhsip due to employer negligence as my reason for a request of refund. This situation was far out of my control and there wasnt much for me to do except sue the company or wait to be properly compensated.I almost lost my car and insurance due to this matter and acknowledge that this wasn't chase 's fault. 

I tried talking to a CSR about this on XX/XX/XXXX but was unsuccesful with my claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-02
Company: BARCLAYS BANK DELAWARE
State: ND
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:
On XX/XX/2018 a settlement agreement for my Barclays account was made. The agreed settlement amount was {$910.00} and the payment needed to be made by XX/XX/2018. 

Payment was mailed ( by my sister ) check # XXXX, on XX/XX/2018 and check was cashed by Barclays. Account number was posted in the Memo as they had requested to ensure it was applied to the correct account. 

I disputed the charges and XXXX XXXX  XXXX  connected with Barclay 's and they refuse to acknowledge payment and this is still showing on my credit report as in collections owing the full amount.

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 2019-03-05
Company: BANCO POPULAR DE PUERTO RICO
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
early XXXX this year, XXXX XXXX XXXX  offered a consolidation loan to its members. I responded to them. Thereafter, I received an adverse action notice from XXXX, a Division of Banco Popular de Puerto Rico. I replied to them saying I did not apply for a loan with them. 
They sent me a response which had documentation attached which I was to complete and send to them. The letter continued with " an inquiry may have been initiated by XXXX into your credit profile. '' I replied that I would contact CFPB directly about my complaint as I was not comfortable completing documentation with private information and sending to XXXX or XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
An unauthorized charge was made on my Union Bank debit card with XXXX in the amount of {$1900.00}. I called XXXX and informed them. The representative asked if I had an account and I said no. He then asked for mu address and birthdate to verify that it was not I that placed the bet. I gave him that information. He said the bet would be placed on hold and someone would call back in 24 hours. I then called Union Bank and alerted them. The debit card was cancelled and a credit of {$1900.00} was placed back into my account. When Union Bank contacted XXXX the agent stated that it had my address and birthdate, thereby saying it was used in the transaction. By asking for my address and birthdate initially, the XXXX representative was not trying to verify if I had an account but rather to limit their liability of having to refund the {$1900.00} to Union Bank. I am out the money and they have my personal information. Union bank refuses to refund the {$1900.00} to me, even though they know I did not authorize the transaction.

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 2021-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XX/XX/XXXX I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. XXXX XXXX XXXX XXXX XXXX # XXXX account is reporting 30, DAYS LATE since requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.

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