BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received XXXX emails on XX/XX/XXXX confirming that my new accounts were opened. I never authorized these accounts. There is a freeze on my credit report which means these accounts were opened without proper verbal approval from me. 

Confirmation numbers : XXXX - account ending in XXXX XXXX - account ending in 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 2021-10-26
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: Personal information incorrect

Complaint:
I obtained a copy of my credit report and noticed that the Consumer Reporting Agencies are reporting inaccurate information to my personal information section. I sent in a letter to get it updated i will provide the letter and the document. I want only one of everything in each section

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I HAVE TRIED THRU ALL THREE CREDIT AGENCIES. I HAVE ASKED THEM TO VERIFY PAYMENT STATUS ON THE LOAN. EXPERIAN HAS FAILED TO VERIFY CORRECTLY OR AT ALL. XXXX XXXX AS WELL AND XXXX.XXXX XXXX XXXX  SENT ME A CERTIFIED LETTER TO SHOW PAYMENT STATUS. ALL PAYMENTS WERE PAYMENTS WERE MADE BY THE DUE DATE OF THE 28TH OF THE MONTH OR A FEA DAYS PAST.. THEIR OWN PAPER WORK SHOWS THE DISPUTED DATES ARENT 30DAYS AN THEY ARE REPORTING IT AS SUCH. THEY ARE IN VIOLATION OF THE FCRA AND HAVE BEEN. THEY ARE HARD TO DEAL WITH, THEY HAVE DENIED PAYMENTS TO THE ACCOUNT BECAUSE IT WAS LATE, AND TO GO IN PERSON TO A BRANCH TO GET IT FIXED OR CALL MANY TIMES. THIS COMPANY HAS BLOCKED ME FROM MAKING PAYMENTS, AND JUST TELLS ME THAT CAN REFUSE ANY PAYMENT THEY WISH. THE CAR HAS NEVER NEVER BEEN IN REPO STATUS FOR THIS NOR WAS IT TAKEN. THEY ARE RUDE AND VERY HATEFUL TO DEAL WITH. A XXXX COMPLAINT WAS FILED AS WELL. EXPERIAN AND XXXX   XXXX AND XXXX ALL HAVE REPORTED IN ACCURATE PAYMENT STATUS AND REFUSE TO GET PROOF.PROOF IS NOT A REP SITTING A COMPUTER AND SAYING YES 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 explanation
Consumer complaint received 2022-05-02
Company: Google Compare Credit Cards Inc.
State: WI
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 XX/XX/XXXX, a pending amount of {$350.00} from GOOGLE *XXXX  XXXX CA showed up on our personal credit card. The week prior, on XX/XX/XXXX, an amount of {$1.00} from GOOGLE XXXX XXXX CA went through on our card. Again, on XXXX the same {$1.00} charge from the same GOOGLE *apprefund XXXX CA. Called the XXXX number noted and gave me no options to speak to/select anything and then disconnected when you pressed a key. We do not use Google Pay and there were no transactions available in my Google Pay " account '' that comes with Google services. Filed a complaint to reverse charges with Google on XX/XX/XXXX. Contacted our Bank also in effort to not have to close card. On XX/XX/XXXX we recieved a notice from XXXX XXXX asknig if we approved a {$350.00} charge from the above listed " vendor ''. We selected " no '' and were immediately directed to our credit card company where the card was closed and charges, as of today ( XXXX ) have been refersed and the pending one not allowed to go through. On XXXX recived an email stating the card is not working and we need to verify so " subscriptions '' do not become inturrupted despite not having any subscriptions valid in my Google profile. Additionally, recived a " notification '' from Google that they were not going to refund our money, which is not the amount we disputed. It was an amount slightly more than the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have an account with Capital One 360 savings and I have over {$2000.00} in the account and they will not release these funds to me or until it " aches '' to the state. Then I have to claim it from the state! I feel like because I have a fraud alert on my credit file because someone tried to use my identity not I them, and because a customer wrote me a bad check that they are punishing me for some reason and they should not be. 

Account Number XXXX Routing Number XXXX Balance as of XX/XX/2020 at XXXX XXXX  PST {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent a debt validation notices to the creditor and only receive a verification of the debt instead of a validation of the debt. As per FCRA, a credit is supposed to respond with the original creditors name, address, and account number and not report to the credit bureaus nor attempt to collect until they have responded. 

However, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FCRA. My next step is to contact a consumer protection attorney unless the matter is resolved here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: JPMORGAN CHASE & CO.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage refinance with Chase Bank. They charge a {$500.00} fee to apply. They said if I go through the whole process with them, they would refund my money, if if I didn't qualify. During that process, I also applied for refinancing through XXXX XXXX. My Chase bank agent became irate when I told him about XXXX XXXX  and the better rate they offered me. 

On XX/XX/2020 I called Chase to complain my agent ceased communicating with me. They gave me a website URL where I could find a new agent. I called the new agent told me she had no time for me. I proceeded to close my refinance with XXXX XXXX. 

On XX/XX/2020, I called Chase for refund of my {$500.00}. They told me they would get back to me. 

On XX/XX/2020 Mr XXXX, my Chase agent who never called me back, claimed he was on vacation for 2 weeks and was told I requested withdraw my application, which is patently false. 

On XX/XX/2020 XXXX from Chase called to say my request for a refund has been denied. When I told her she was acting in bad faith, she said she would get back to me. 

On XX/XX/2020 XXXX XXXX. XXXX XXXX called to inform me the request was denied after review. They insisted I requested to close my application by email. When I asked him to show me the email ( because I never sent one ) he replied they are not allowed to use email. When I told him I would report him to the Federal government, he replied he would get back to me. 

XX/XX/2020 XXXX XXXX. XXXX called back to say request denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: AMERISAVE MORTGAGE CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
During the sales call, the rep talked about terms of the loan and said that I needed to pay {$500.00} and that it would be applied to closing costs to start the process. First, they never did get the terms correct as promised in the disclosures. I called and called with very slow responses. Said they would fix the problem but they never did. The " application fee '' showed up and they said it would be removed at closing. I said no, I want it removed now. They never did that. They were extremely incompetent or trying to deceive me. 

I went to another broker because of all the problems. I asked for my appraisal to be transferred and they said I needed to pay {$570.00}. I told them that I paid them {$500.00} already and they said that wasn't part of that even though the sales rep said otherwise. They supposedly record all calls so you should be able to verify the very deceptive language the sales rep uses.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I was not able to obtain my credit report with ease online from Transunion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-27
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
My electric service provider was XXXX XXXX for 25 years. Moved in XXXX, so closed my XXXX  account in XX/XX/XXXX. XXXX  would not allow me access to pay online, since my account was closed. Even though had been making online payments each month. XXXX  advised me to go to an authorized payment center, and they only accept cash. Never used a payment center before. Went with cash and copy of my bill from XXXX, paid cash and got receipt. 
XX/XX/XXXX - 14 years later ... received letter from collection agency regarding the last payment to XXXX. Did chat sessions, to resolve, with XXXX today, and was told that my payment was applied to wrong account. How does the individual customer have control over what account they post payment too? All customer support at XXXX  said was that this debt was sold, and I would have to talk to the " owners '' which is a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
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 have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see these accounts are removed from my account. They are fraudulent & are impacting my ability to gain credit. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$54000.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$47000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$160000.00}, XXXX XXXX XXXX Date XXXX Balance : {$32000.00}, XXXX XXXX XXXX XXXX Balance : {$20000.00}, XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX {$10000.00}

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 2018-03-10
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a checking account statement in the mail from TD Bank covering the dates of XX/XX/2018 to XX/XX/2018. The problem is I never opened or authorized a checking account with TD Bank. I see on the statement that XXXX deposited {$0.00} on XX/XX/18 and debited the {$0.00} cents the same day to verify if the checking account was valid. The checking statement had my correct name and address at the top. I visited a TD Bank branch and closed the checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Chime Financial Inc
State: IN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My chime account was randomly closed. When I called the customer support line, they said they closed it due to my account not following company policy. My account has been fine for over a year and a half now and they randomly just close it without going into detail. When I asked what company policy did I not follow ( they wouldnt go into detail and told me to email customer support. When I emailed customer support, they wouldnt go into detail either. I need my funds back, I will not do business with them again once funds are given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
AFCU " discontinued '' their current checking accounts and transferred those same benefits to an account with a monthly fee, then made all members have the monthly fee account without even the possibility of opting out! I now have to call them to opt out. It's shady business and a blatant money grab. This is not how you treat your customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: Experian Information Solutions Inc.
State: NJ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called Experian to address some issues and I came across a call with a lady name XXXX from the XXXX XXXX. She refused to help me with the issue was very irrate.  She refused to transfer the call to her supervisor  and refused to give me her last name. I also informed her that the call was being recorded as well. This company customer service is really bad and try to belittle you. I had have include screenshots of how long she has me on hold to speak with another rep

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 2018-02-28
Company: Experian Information Solutions 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:
My student loans are satisfied fully. I have requested that the loan servicer remove the credit reporting and they advised on XX/XX/XXXX that they will not remove until XX/XX/XXXX. 

The accuracy of their reporting is in question as they should 60, 90, 120, 150, and 180 delinquency, but not reporting of 30 day delinquency. Additionally, attached are 3 screenshots : XXXX 1 and 2 are from a credit report pulled on XX/XX/XXXX and the 3rd XXXX screenshot is from an older credit report from XX/XX/XXXX showing on XXXX reporting with conflicting dates and delinquency time frames. 

I'd like proof of all payments, non-payments, etc from the loan servicer as well as from XXXX XXXX XXXX. I'd also like documentation from XXXX XXXX XXXX that they requested, approved, and accepted this on XX/XX/XXXX and not before. 

I'd like all record provided from the dates of XX/XX/XXXX to XX/XX/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 2021-10-26
Company: Coinbase, Inc.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Using the Coinbase commerce app, I purchased and attempted to transfer XXXX bitcoin to a wallet. The coin was subtracted from my wallet, but the transaction did not go through. When I attempt to view data on the transaction, there is an error code for a connection issue. This problem occurred on XXXX, and I have reached out to Coinbase customer service, to no avail.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I have submitted multiple requests of TransUnion to delete two tax leins ( released tax leins ) as it does not meet the minimum requirements as detailed in the latest credit reporting changes in XX/XX/XXXX. 

Beginning on XX/XX/XXXX, the three major credit bureaus, TransUnion, XXXX and XXXX, will no longer report tax liens or civil judgments with incomplete information on individuals credit reports. Again, as of XX/XX/XXXX, public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain minimum identifying information as follows : Minimum reporting of : ( 1 ) Name, ( 2 ) Address, AND ( 3 ) FULL Social Security Number and/or date of birth ; That being said, I attached a copy of both NC Revenue State Lein Release letters and NEITHER of the letters maintain the required MINIMUM information and thus must be removed from my TransUnion credit report. 

XXXX and XXXX have both removed the 2 leins from my credit report based on this info, BUT Transunion refuses to delete the items and be in compliance with the new credit reporting law. Therefore, I have no choice but to file a formal compalint with you so that they can remove the released tax leins from my TU 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 2018-02-28
Company: AMERICAN EXPRESS COMPANY
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:
We recently applied for credit for our small business. We were declined with the explanation that American Express card reported that they had to close our account and write off the balance due of several thousand dollars in the latter part of XX/XX/XXXX due to lack of payment. This is simply not true. We were admittedly running slow on payments due to business challenges, but we made payments of at least {$100.00} per month to show AMEX that we were at least trying and would do all we could we could to pay down the balance. A payment of approximately {$3700.00} was made by us to AMEX in XX/XX/XXXX which paid off the full balance. We have bank records to prove this. The AMEX account was closed, and we thought that was the end of the issue. We had no idea that AMEX reported to credit agencies that they allegedly had to do a write off. 

We immediately contacted AMEX via phone to advise of the issue. That started a frustrating series of phone calls, being told that we had to call a certain department, only to be told by that department to call someone else, and then someone else, and so on. 

The request that we made of AMEX is to please immediately update credit reporting agencies that the account was paid by us in full, and that they did NOT have to do a write-off. Our goal is to restore our good credit. If for whatever reason they don't feel they can correct their error with reporting agencies, then we would expect a refund of the funds that we paid to AMEX. But, we don't feel AMEX can have it both ways- keep our money AND incorrectly tell reporting agencies that we defaulted. 

Thanks in advance for your help CFPB. We would have preferred to have just worked this directly with AMEX, but they show no interest whatsoever in working with us. We come to you as a last resort to achieve a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: Experian Information Solutions 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:
I HAVE REVIEWED MY CREDIT FILE AND FOUND AN INACCURATE ACCOUNT AND ITEMS IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT. THE ACCOUNT AND INQUIRIES DOES NOT BELONG TO ME AND I HAVE NO KNOWLEDGE OF THEM. I AM ASKING THAT YOU PLEASE REVIEW AND REMOVE THE ACCOUNT AND INQUIRIES OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.

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 2023-10-13
Company: Bonneville Billing and Collections
State: UT
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:
On XX/XX/2023, I viewed my XXXX credit report. There was an negative credit report showing an account from Bonneville Collections. I sent them the attached file requesting debt validation on XX/XX/2023 and have a return receipt confirming receipt of XX/XX/2023. They never responded to my request for debt validation.

Company response to consumer: Closed with explanation