BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-27
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2023 received a letter dated XX/XX/2023 from Chase Bank with the following : We have decided to close your accounts. 
I have called Chase three separate times at the following number XXXX and spoke with Chase representatives about the letter seeking an explanation. None was given. The first call 's representative referred me to language in the agreement when opening the accounts which states that Chase reserves the right to close accounts without reason. 
I believe this is discriminatory actions based on race, religion and/or political views. 
My wife is the primary owner of the accounts being closed and she hasn't received a notification of the closures.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I never agreed to open a savings account and magically I had one.

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 2019-12-06
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: EOS Holdings, Inc.
State: OK
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The debt collection company, EOS CCA/US Asset Management, in an attempt to collect debt from me mailed me a letter on XX/XX/19 with the information of another person 's debt. I now have that person SSN, Address, DOB, phone numbers plus their cosigners SSN, address, DOB, phone numbers. This makes me worried that my information is at risk too. The company initially reached out to me a couple months ago saying that they got my debt from another company but I didn't hear from them for a few months, I know they are supposed to reach out within 5 days to collect the debt and give information on how to dispute it, and now I am worried that they were sending out my personal information to the wrong people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: WELLS FARGO & COMPANY
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
May have been charged extra fees on my loan payments, and too high interest rates. Would like to see if I qualify for the settlement

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 2023-02-25
Company: National Credit Systems,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:
My credit has been compromised I put a alert I check my credit today there is a company called National Credit System account number is XXXX this has been on my credit since XX/XX/2021 I have call this company I don't know how this ended on my credit the information doesn't match mines i have a fraud alert and i dont understand please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX the XXXX, XXXX, I noticed that Nation Star LL dba Mr. Cooper, took an additional {$400.00} from my account. This was done on XXXX separate occasions. I contacted customer service and was told that they purchased flood insurance on my home. I informed them that my home is not in a flood zone. The representative informed me that they received the information from FEMA, and had every right to protect the loan. I asked for the documents from FEMA stating our home was in a high risk flood zone, he said he could not provide it however, they informed me that I was sent XXXX notices that I should have responded to. I informed him that unless he had my signature showing receipt of a notice, he could not make that statement. He sent me to a supervisor the supervisor reiterated what the previous representive stated. I called back the next morning requested a supervisor. After threatening a letter from my attorney and reporting them, as was recommended by FEMA, he sent me the the Standard Flood Hazard Determination Certificate from XXXX ( attached ). Under the comments section of the report dated XX/XX/XXXX. XXXX states that the property is partially within a special flood hazard area and they were not able to identify any structures with the information provided by Mr. cooper and asked for additional information. Instead of Mr. Cooper not doing their due diligence, they purchased private flood insurance on my property at XXXX times the cost of getting it thru FEMA. And according to FEMA mapping department and the reevaluation by XXXX, our home is in zone X, meaning minimal flood hazard and no insurance is required. In addition, according to the FEMA representative FEMA does not insure raw land

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the credit reporting act. The List of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

Account name : 1.-XXXX XXXX  ACCOUNT # XXXX OPENED XXXX 2.-XXXX XXXX XXXX ACCOUNT # XXXX OPENED XXXX 3.- XXXX OPENED ACCOUNT # XXXX OPENED. XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no report containing any of the following iter other than records of convictions of crimes which antedates the report more than seven years.

15 U.S.C. 16818-2 ( A ) ( 1 ) A person shall not furnish any inform : consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair credit Reporting act 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 agecy can not fumish a account without my written instructions XXXX. XXXX XXXX Account number : XXXX Amount {$1800.00} XXXX XXXX XXXX XXXX XXXX, MN 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 2023-08-04
Company: Experian Information Solutions 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:
I need to inform you I was the victim of identity theft. I'm disputing the accounts as they were opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 
Please dispute the accounts. They were opened without my knowledge, authority or consent. 

XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXXXXXX 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 2019-07-28
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Synchrony Bank placed a false purchase on my credit account in order to offset an error they made. Specifically, I sent a payment in to Synchrony in the amount of {$1200.00} to pay off one account I had with them. They mistakenly applied it to a different account ( the account ending in XXXX, which is the subject account of this complaint ). When I informed them of this they agreed to remove the payment from the mistaken account and apply it to the correct account. n order to do so, for some unknown reason, Synchrony applied a false purchase to the mistaken account in the amount of {$1200.00} in order to remove the mistaken payment. They did then apply the payment to the correct account. What then happened was that the " purchase '' resulted in a temporary increase in my balance, which, in turn, resulted in a higher monthly minimum payment in the amount of {$190.00}, instead of the usual {$150.00} payment. When I spoke with Synchrony, they stated they would fix this problem, and that I would only be responsible for the correct minimum monthly payment of {$150.00}. I even received an email from Synchrony stating this. However, when I received this month 's bill, that bill stated that due to my having paid only {$150.00} of the {$190.00} minimum due, my account was considered to be {$35.00} overdue and that that amount of the payment was considered late. When I spoke to them again, they said the would agree to remove the late fee, but that I would still be responsible for a higher monthly payment of {$200.00}. They also claim they will fix this, but I have no documentation from them of this matter. I have wasted nearly 2 hours on the phone with Synchrony 's offshore customer service folks. Here is a summary of their errors that I consider to be a significant problem : 1 ) applied a false charge to my account without my knowledge or authorization. 2 ) stated they had adjusted my monthly minimum payment back to {$150.00}, which was not true, as the following month 's statement contained a higher minimum payment as well as a late fee ( I have not received any assurance that this matter has been corrected ).

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 2019-07-29
Company: Square Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Cash app is fraudulent they have no legitimate customer service they dont even get bak to ur emails. My brother in law and sister cash apped me funds accidentally thru ther account then requested them bak and now cash app is trying to charge me for the the funds I returned to the requested individual. Whether its cash app the bank or possibly my family members trying to rip me off whoever it is I returned the funds I have the proof theres a trail so cash app has to get the person who has the funds whos committing the fraud I gave bak the funds I didnt exhaust none of it so y am I getting a negative {$700.00} balance I will not allow this to mess up my credit I returned the funds

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: Navient Solutions, LLC.
State: OR
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 have reported to all 3 credit bureaus multiple times that Navient is wrongly reporting my private loan status/information. The account was opened in XX/XX/XXXX for {$10000.00} and started repayment in XX/XX/XXXX. My credit report states that the account was closed ( and charged off ) in XX/XX/XXXX. It is still on my credit as an open account and reports that I am 90 days late every month and also reports that my account is charged off every single month. 
How can both be true? If the account is closed/charged off then no payments are due. 
Or if the account is open then it hasn't been charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 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. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2019-12-06
Company: BB&T CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have an account with BB & T, which I tried closed a month ago, after this bank having fraudulently charging my account ( in addition to refusing to close this account in a timely matter ). I went to XXXX XXXX  Breach and asked to withdraw all funds and closed my account due to the aggressive overdraw fees they have been charging my account. While I was in the Branch the customer service representative explained that if leave my account in XXXX and they will automatically close it. Unknowingly, my check my deposited into BB & T, I was shocked because this account should have been closed weeks ago. After finding this unauthorized account, immediately called customer service to speak with a manager/supervisor ; the agent refused to transfer my call. After speaking with her for a while, she promised to change my maximum withdrawing allowance so I can withdraw all my funds so she could close my account. After trying several times to withdraw my money I was not able to. I called again the same day and a different agent answered and I told me there was a hold in my account. Similarly, this agent advised me to go to different ATMs and get a specific amount and to swiped my card until my balance was XXXX. Before my balance was XXXX, I saw an overdraw fee of {$72.00}. Two days later my card was accidentally charged for a utility bill and another overdraw fee was charge ( XXXX ) ; again, I was surprised since I requested my account to be closed three times. Since that day, BB & T has taking upon themselves to charge me fees, at least every two days. Now I have a negative balance of {$380.00} on my  account. 
As a consumer of BB & T, I have experienced worse service in the bank industry. This bank has taken away all the trust I have on any banks. They not doing anything illegal but it is not ethical. I feel that they are exploiting their clients ' trust and misused their funds. The main reason I am looking for help is, that this bank has lied to me in the past and will not give my money. Also, this bank has shown a history of abusing its access to its members ' accounts ; as they lost a lawsuit this year for these same reasons. 

Name : XXXX XXXX XXXX Email : XXXX XXXX : XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA, 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 2020-06-04
Company: CITIBANK, N.A.
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I, XXXX XXXX OPENED A SAVING ACCOUNT WITH CITIBANK ON XX/XX/2020!! THE ACCOUNT WAS FUNDED THROUGH AN EXTERNAL BANK!! IN ADDITION TO THE REQUESTED SAVING ACCOUNT, CITIBANK ADDED A CHECKING ACCOUNT WITHOUT MY AUTHORIZATION!! THIS ACTION BY CITIBANK, RESULTED IN A {$110.00} OVERDRAFT FEE FROM DAY! ( ONE ) XX/XX/2020, ON MY NON-REQUESTED CHECKING ACCOUNT!! SAVING ACCOUNT WAS FUNDED WITH 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 2022-10-21
Company: Experian Information Solutions Inc.
State: CA
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:
I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 


XXXX XXXX Balance Owed : {$400000.00} ; XXXXXXXX XXXX XXXX Balance Owed : {$16.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00}

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 explanation
Consumer complaint received 2019-07-29
Company: Experian Information Solutions Inc.
State: IA
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:
There are several accounts that are on my credit report that don't belong to me, I have replaced my ID, disputed these transactions with the company and if its not resolved this time I will be filing a police report. the accounts that are not mine and need to be removed are listed below. XXXX XXXX/XXXX XXXX : balance XXXX. XXXX XXXX : balance XXXX, XXXX XXXX XXXX : Balance XXXX XXXX XXXX balance XXXX. XXXX XXXXXXXX XXXX : balance XXXX and XXXX. XXXX XXXX XXXX XXXX : balance XXXX. XXXX XXXXXXXX XXXX : balance XXXX. XXXX XXXX : balance XXXX. XXXX XXXX XXXX : balance 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 2023-09-29
Company: United Accounts, Inc.
State: ND
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XX/XX/XXXX a sheriff came to my work and served me papers dated from XX/XX/XXXX claiming I have debt owed for XXXX XXXX XXXX XXXX A North Dakota Corporation , in the sum amount of {$1200.00} plus interest from XX/XX/XXXX at the rate of XXXX XXXX per annum in the amount of {$140.00} making the total sum amount of {$1400.00}. 
I have not received any notice prior via email, mail or phone. Im clueless to what this debt they are trying to collect is from as I do not recall having any debt. It just showed up on my XXXXredit score report. 
Not only never having any notice prior to this the papers I was served with doesnt list a court date , county or where to go to figure this out. It however does list an attorneys name, email, address, and phone number. I have called and emailed said attorney and have not heard anything back so I dont know where to go to figure this out. Its affecting my credit score and with them having a sheriff serve me with papers at my work it has made unnecessary rumors go around even though I didnt do anything wrong. 
It also says I have 21 days to respond and if failed to do so, judgement by default will be taken against me for the relief demanded in the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: Experian Information Solutions 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 status incorrect

Complaint:
Good Morning, Reached out to XXXX XXXX  XXXX XXXX , Company shows missed payment for the month of XXXX. I made 2 Payments beginning and end of XXXX to assure there was no missed payments, XX/XX/XXXX I made an additional payment of XXXX $ before closing of bill which is XX/XX/XXXX. 

On XX/XX/XXXX company reported missed payment. However payments were made. I called today the XXXX for the representative to state the payments wont be reflected until XXXX because payments werent made however, attached is a screenshot of all payments made and dates. 

This company is hurting my credit score and inaccurately reporting a missed payment please update my account to reflect XXXX payment as on time and reflect correct Available balance. The XXXX still owing is inaccurate I only owe XXXX - Thanks again.

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