BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-03
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2019 I submitted a dispute of an error on my credit report which was for a collection placed by a company called XXXX XXXX XXXX who reported the collection for the original creditor XXXX. I reached out to correspond and request debt validation as I had never received any information from the original creditor or XXXX XXXX XXXX about this debt including any bill or utility usage. XXXX XXXX named XXXX stated that she didnt know why I was getting a collection reported on my credit by XXXX XXXX XXXX because they use XXXX XXXX and not XXXX XXXX. I submitted evidence to XXXX XXXX XXXX, XXXX, XXXX, CFPB, and XXXX  proving that I moved and that this collection is an error on my report. 

FDCPA and FTC law states : 809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt.

This debt should be removed from credit reports and collection stopped if not validated within the given time frame.

This debt has never been validated to me after correspondence and I check my mail everyday. The only way I found out about it was through my credit report. My wife is also witness to this bogus debt harassment by XXXX XXXX XXXX. 

XXXX XXXX of XXXX XXXX has put into writing on XXXX separate government regulated websites that this debt that XXXX XXXX is trying to collect on is not shut of with XXXX until XX/XX/2019. It also says it was opened XX/XX/2019 which is false and untrue considering I am paid in full and up to date on my XXXX bills. 

Now XXXX and other resources I have used as a consumer have failed to properly investigate and remove this error from my credit which is a violation of my FCRA rights!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: AMERICAN EXPRESS COMPANY
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: JPMORGAN CHASE & CO.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The attached letter explains what I have been going through with my mortgage company for about a year. My husband was on the loan with me but passed away in XX/XX/XXXX. Chase told me that I had to remove his name from the mortgage before I could be even considered for any assistant. I started the process in XX/XX/XXXX and the process lasted about four months. In XX/XX/XXXX or XX/XX/XXXX. I was served with papers from the Sheriff 's office of a active Foreclosure with a sale date in XX/XX/XXXX. I contacted Chase and they suspended the foreclousure will they had me to fill out forms and send in paper work to be considered for a hardship. After about two to three weeks, underwriting denied the application. I was told to resubmit the form because, by myself, my debt to income ratio was to high. I appealed the decision because my daughter had moved in with me, which is permanent, and I used her contribution to the household. At that time, the denial was based on USDA guidelines were not met. No official letter of the decision. I found out by calling and inquiring, then they sent a letter of denial. I never received an official certified letter from Chase about the foreclosure. I believe that they told me to apply for assistance, knowing that they would not approve anything but to cover them. I feel that this was unfair treatment and showed no professionalism at all. The reason for denial now is that they have add {$38000.00} of arrearages for late payments, lawyer fees and whatever else that they could charge me and yesterday I was told my only option is a short sale and the house has to sell within thirty days to avoid foreclosure. This process has been overwhelming and extremely stressful. Our know there are other people out there that have experienced the same unfair treatment. The last denial was because of the arrearages, Chase never sent me a letter about any payments due until the foreclosure process began. They also said that due to UDSA guidelines, they is no assistance that can be offered. Please review their practices. If this does not help me, maybe the will rethink how they treat people when they are made to answer. This is a USDA back loan and I was told that Chase could help if they wanted to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: JPMORGAN CHASE & CO.
State: CA
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:
From XXXX XXXX XXXX, I have been charged nine {$34.00} non sufficient funds fees, totalling {$300.00}, caused initially by an automated student loan payment I didn't realize would hit the account. When I received a second non sufficient funds fee of {$34.00} for a balance at negative {$9.00} in my account, I went into the back and asked them to waive the second fee to get my account back on track ( at that point with the fee, the account was - {$43.00} ) but they refused. A spiral has happened since. I have since had fees accumulate with fees upon fees. The fees have been more than the overdraft at this point. I would like a credit to my account for {$300.00}. I have been depositing my daily wages every day, but the fees are too much to overcome.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-03
Company: CL Holdings LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Jefferson Capital sent me a bill saying I owed them money on a old XXXX  acct 12 years old to be exact! They are redating this account which I have been told is illegal in the State of NY and plus the fact the original acct is over 12 years old and in the State of NY its 6  years. This company is ruining my credit on all major credit reporting agencies This is false  dating and is illegal - Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A {$1200.00} deposit was made into my checking account on XX/XX/2019. The same {$1200.00} deposit that has been made on the XXXX of the month every month for a year now. The day is was deposited, I saw {$400.00} was made available immediately. When I checked the account online the next day, however, the entire deposit was put on hold. The {$400.00} made available disappeared and no reason was given for the hold nor any time frame. This morning when I checked online, XX/XX/2019, XXXX days later now, an entry appeared that the hold was until XX/XX/2019. This entry was not there on the XXXX nor on the XXXX. 

We consumers are tired of Wells Fargo playing their games to the detriment of consumers. 

I've had this account and others at Wells Fargo since they bought XXXX and do not deserve to be treated with such disdain and disrespect and below the board behavior.

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 2020-05-01
Company: AES/PHEAA
State: WA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
For the past 10 years I have paid FedLoan {$710.00} per month, on time without any delays or missing payments. Every month they would email me reminding me that my payment was due. I called them and asked them why they need to keep reminding me when my account is in full compliance, they told me they would stop, but the reminders did not stop. When I talked to them asking them why they were not forgiving any of my debt after working in a XXXX XXXX school for more than 5 years, they told me that I was signed up for the wrong forgiveness program. Again, completely misguided by them. When my loan was very nearly paid off earlier this year I did not get a bill in the mail as usual, but instead I got a Paid In Full letter. I was relieved, but then the harassing phone calls and emails began again, telling me that my payment was late, and a collection agency would be called, even though it had been less than a month past due date. When I would call them I would need to talk to several people due to the rudeness of the people attending to my account. FedLoan has been completely unhelpful, discourteous, and unprofessional in assisting me over the past ten years of payments. It has been a terrible experience ; the worst ten years of my life. FedLoan is a greedy, shameful institution that I recommend people stay clear of.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: BB&T CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/19, My checking balance was {$2100.00}. On XX/XX/19, two transactions ( {$32.00} and {$26.00} ) were posted to my account leaving a balance of {$2000.00}. A pending transaction was added to the account for {$2000.00} as of XX/XX/19 - this transaction is still pending. I saw a pending transaction for {$170.00} at that time, which, had it cleared, would have left a balance of - {$110.00}. At that time, on XXXX, I initiated a transfer from my other bank for {$150.00}, which should have left a balance of {$39.00}. 

Instead, I was charged {$36.00} each ( total {$72.00} ) overdraft fees for the {$32.00} and {$26.00} transactions. My {$150.00} transfer in and the transaction of {$170.00} both cleared on XX/XX/19. As the balance was now negative due to the {$72.00} in overdraft, I was charged an additional overdraft on XX/XX/19. The {$2000.00} is still a pending transaction and is set to post today ( online bill payment which was initiated for XXXX ). 

The bank, BB & T, agreed to waive the final overdraft fee " as a courtesy '' but refused to acknowledge that their creative accounting was the reason for any overdraft fees in the first place.

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 2019-10-03
Company: EQUIFAX, INC.
State: VA
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 received a notice on my Equifax report on XX/XX/XXXX XXXX XXXX XXXX for the collection amount of {$210.00} that was paid on XX/XX/XXXX! This is not my account and why would it just now be showing on my report all the way from XXXX this is a total violation of my rights! Equifax has been making a lot of mistakes and I want it corrected now! I will seriously be reaching out to my lawyers!! This was not on my credit file before XX/XX/XXXX. Equifax is lying about the date reporting!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: JPMORGAN CHASE & CO.
State: AK
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My wife took out 4 certificates of deposit with washington mutual. the 1st one was inXXXX acct # XXXX the 2nd was XX/XX/XXXX # XXXX the 3rd was XX/XX/XXXX # XXXX and the 4th was XX/XX/XXXX # XXXX. In XXXX Washington Mutual failed and their assets and records went to JP Morgan Chase. We are not sure if we closed these accounts ( wife does not recall ) or because they went dormant they were lost in the transistion between WAMU and Chase. I contacted Chase to see if I could find out what happenened to these accounts but they tell me they can not help me because those acct. numbers are not theirs. I have done many searches to see if these funds ended up in Washington State Revenue but found nothing. I also went to FDIC and found nothing but in talking to the FDIC they informed me that Chase should still have records of our accounts and should be able to help us find out what happened to these funds. Please help to resolve this issue. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: EQUIFAX, 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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been 45 days and I havent received any re-investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: EQUIFAX, 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: Account status incorrect

Complaint:
To whom it may concern I had a XXXX XXXX account opened XX/XX/XXXX. Had over a 8 year relationship with them. Account was closed by XXXX due to them not being able to get a hold of me to confirm if it was me or not. 

Since I always paid on time and never had any problems with them they agreed to remove this closed account to all the credit reporters which was closed XX/XX/XXXX. 

After speaking with them several times this has still not been done. I always asked them to put in there notes. This way no one is confused as to what was said.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On or about XX/XX/2019. I submitted notification to all 3 credit reporting agencies that there was errors filed in my bankruptcy report. I did not receive a reponse back from neither of the agencies without investigation and they said that they will no longer reinvestigate the matter unless i had more documentation which im also providing to you, the check marks beside the accounts are accounts that were included in my bankruptcy that are not mine. Ive also asked from the agencies to provide me the methods that they used to validate these and to no avail i have received nothing.

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 2017-11-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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:
Claim ID. # XXXX Transaction Ref. # : XXXX Name : XXXX XXXX Acc. # Visa ending XXXX My name is XXXX XXXX. I am a bank of America XXXX XXXX XXXX Card holder for the past two year or so, I have filed a dispute about the outrageous charges made by XXXX XXXX XXXX XXXX in XXXX XXXX which I noted on my Visa Credit card ending with the XXXX. The charges in Amount of {$1000.00} posted on XX/XX/XXXX by the XXXX XXXX XXXX XXXX My dispute about this outrageous charge by XXXX XXXX XXXX XXXX on my Visa Credit card is as following ; 1-The rental car reservation was made online & the Total amount of rental car fees of {$290.00}, was paid in full on XX/XX/XXXX with my Bank of America XXXX XXXX XXXX credit card, And the rental car insurance which is an obligatory requirement in XXXX was confirmed to be covered by my Bank of America Visa Credit card. No additional fees were supposed to be added later on to this charges. 

2-On XX/XX/XXXX, while backing up in the parking lot at the hotel, where I was staying, I hit a tree with the rear bumper of the car causing a 4 cm superficial scratch mark WITHOUT ANY DENTATION or DEFORMITY OF ANY SORT. A paint only scratch mark on the right side of the rear bumper. I brought the pictures of the rear bumpers scratch marks to two separate car repair shops ( Car body Shops ) in XXXX, where I received an estimation of required repairs mounting to only XXXX Euro ( Depending on exchange rate just about XXXX $ ) cost of repairs. 

I was charged on my BoA Visa credit Card, {$1000.00} for the minor superficial paint only scratch marks on the rear bumper to be outrageous, for which two estimates by two separate car body shops in the same city ( XXXX XXXX ) are just about XXXX Euros, which is less than one tenth percent of the XXXX XXXX XXXX XXXX estimation for the same repairs. 

I wrote repeatedly to the bank of America Visa credit card to dispute this outrageous charges due to : 1-Extremely high charges for a minor superficial paint damages to the rear bumper of the car 2-XXXX XXXX XXXX credit Card from Bank of America which I used to pay for this rental car, is according to the credit card agreement is responsible & should be covering the Car rental insurance for my purchase. 
But the Bank refines to address my concerns & keeps telling me that they did not find any dispute & I am responsible for this damages.

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 2019-05-09
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I AM A XXXX PERCENT XXXX VETERAN NFCU TOOK MONEY FROM MY ACCOUNT TO PAY THE STATE OF VIRGINIA. I GET XXXX PERCENT OF MY MONEY FROM THE GOVERNMENT XXXX PAYMENTS. NO ONE CAN TOUCH THAT THAT.PERIOD THEY VIOLATED FEDERAL LAW.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
AMERICAN EXPRESS CHARGED PENALTIES AND LATE FEES-AFTER DEBT WAS PAID. ACCOUNT WAS CLOSED. THE SMALL WINDOW OF A COUPLE DAYS HAD THEIR SYSTEM CHARGE A CLOSED ACCOUNT AND AFTER NOTIFICATION ADD ON A PENALTY, THEN IN SUBSEQUENT MONTHS CONTINUE TO CHARGE A LATE FEE-SEND IT FOR COLLECTION ; ALL AFTER THE MORE THAN $ XXXXWAS PAID AND RECEIVED BY AMEX. AFTER 45 YEARS WITH AMEX-THAT DID NOT MEAN ANYTHING. THE LANGUAGE BY CUSTOMER SERVICE WAS INTIMIDATING ; AND ATTEMPTS TO BARGAIN FOR EXTRA PAYMENTS MADE.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-19
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Out of the blue, I received notification from Citibank that it has closed down three of my accounts, one Citi credit card, one Macy 's credit card and my Best Buy credit card. No information was provided to me. When I wrote to the Company ( which was not even initially identified ) the response I received was that they have the right to close the accounts. I have never had a credit issue in my life, I have maintained high credit limits and have an impeccable credit rating ( most recently over XXXX ). We are not disputing their right to close the account, my goal is to understand why this happened. If there is a mistake or they have some inaccurate information, I have a right to know that so I can address it. There is not even a phone number on the letters so that I can actually speak to a person. Please advise as to whether the Bureau can assist me or if there are other ways for me to get to the bottom of this. 

Thank you very much. 
XXXX XXXX XXXX ( cell )

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 2018-12-04
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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2021-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have mailed multiple letters disputing accounts that should not be on my credit report and they are still there! incorrectly reporting!

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