BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
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:
COVID PANDEMIC Bank of America Home mortgage, has been reporting me and my wife as being late on our credit reports. We have been in forbearance mode for the last 5 months. We just spoke with XXXX XXXX, XXXX XXXX, with the bank of America concerning the forbearance and the restructuring of the loan. The consequences have been a denial of an SBA guaranteed loan by the SBA disaster relief loans by the federal government. As I called today and they told me that we were rejected for the loan because of our credit. 
They have been reporting us illegally during the COVID crisis.

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 2018-03-07
Company: Experian Information Solutions 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:
THIS ACCOUNT WAS PAID IN FULL AND WAS NEVER LATE XXXX XXXX XXXX   Account Number XXXX Account Type Installment Loan Terms 60 Months Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid satisfactorily Status Updated XX/XX/XXXX Balance {$13000.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount {$15000.00} Comments **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Payment History

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 2016-10-12
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My accounts with Chase Bank were closed without notifying me. They may send a letter but by the time I get it the damage is already done. My son had some alleged fraud activity associated to his account which is a XXXX Account and is linked to me. My son spoke to Chase and they advised him of the fraud and did advise him that they were going to close his account and send him a check. He stated they told him that he could no longer bank with Chase which I thought was odd. I asked if he was telling the whole story and he claimed he was. I happen to check my account to confirm my mortgage payment had gone through and noticed my account did not look right. I called the XXXX # and put in my debt card number and this is when " I '' found out my accounts were closed. I spoke to a representative that got smart when I asked, " so you close my account without telling me? '' His exact words were, " I just did ''. At that time I requested a manager. He placed me on hold I just disconnected the call and immediately went to a local branch. They were not any help there either. I still have not found out why my account was closed or why they said I can NO LONGER do business with Chase. I have been with Chase for years and I can not believe they would do me like this. I have not done anything to make them do this. I looked up reasons as to why a bank would close an account and none of them pertain to me. I just want to be treated fairly and at least get an explanation as to why MY accounts were closed. I can understand closing the XXXX account ... .but why mine? My son is a member of the United States XXXX currently in New Mexico. There was a question about service member. I am not a service member but my son who also is affect is.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
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 status incorrect

Complaint:
DEPT OF EDUCATION/XXXX  {$37000.00} Balance updated XX/XX/XXXX 3 late payments This account is in forbearance and is showing late 3 late payments from XXXX XXXX XX/XX/XXXX. this is incorrect information DEPT OF EDUCATION/XXXX  {$31000.00} Balance updated XX/XX/XXXX 3 late payments This account is in forbearance and is showing late 3 late payments from XXXX XXXX XXXX XXXX this is incorrect information

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 2017-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
I purchased five money orders from XXXX in XXXX XXXX, 2017 totally {$2200.00}. They were made out to XXXX at XXXX. I put them in the apartment dropbox/night drop on XXXX XXXX, 2017 around XXXX. I am a XXXX XXXX and worked a three day trip. Upon returning on the XX/XX/XXXX I noticed I still owed the apartment. The complex claimed they never received them. I gave them copies of the money order stubs/receipts. After a couple of weeks they told of me I needed to contact XXXX and report them lost/stolen. I contacted XXXX and they said they had already been cashed on the XX/XX/XXXX. I was unable to file a lost/stolen report as they were already cashed. They said I could get a copy of the deposited money orders for {$24.00} each. I had five money orders and got all the copies. The copies DO NOT have any financial institutions information on them. I had to call XXXX back. They sent me Source of Receipt. XXXX XXXX says it is not their issue to get me the money back and ca n't help me. They told me the institution who cashed the fraudulent tampered money orders are responsible. Bank of America is listed as bank of first deposit. I called their Customer Service phone number who in turn sent me to another dept. who in turn said I had to go to a branch and fill out paperwork. I want to a branch and they said they can not help me. They said XXXX XXXX is responsible. The money orders were clearly altered and Bank of America allowed them to be cashed anyhow.

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 2020-08-26
Company: CITIBANK, N.A.
State: PA
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:
XX/XX/XXXX XXXX XXXX  : Received a Fraud Alert text from CitiFraud Dept :  " Did you attempt {$1700.00} at XXXX XXXX XXXX XXXX on XXXX Yes = 1, No=2 '' Case # XXXX XX/XX/XXXX XXXX AM : I typed " 2 '' in response to say no. Also followed up with a phone call to Citi to confirm. Citi confirmed the charge was fraud and that there were no additional transactions, cancelled the card, and issued a new card. 

Approximately XX/XX/XXXX : Noticed a charge on XX/XX/XXXX Statement for  {$110.00}. Charge posted on XX/XX/XXXX to the account that was supposed be cancelled by Citi for a purchase from XXXX XXXX XXXX XXXX. Called XXXX XXXX number that was on the statement to dispute charge. 

XX/XX/XXXX : Received call from XXXX legal department who confirmed that charge was not initiated by me. They stated that it appeared to be a fraudulent charge and are taking legal action against one of their consultants who made the charge. They told me I need to contact the credit card company to have the charge reversed since it was fraudulent. 

XX/XX/XXXX until XX/XX/XXXX. Have made a myriad of contacts with CitiBank. Have been bounced back and forth between the Fraud Department and Billing Dispute Center with a final determination in the vendors favor. During that time, also forwarded an E-mail to Citi Dispute Department from the XXXX legal department confirming that I did not make the charge to them. CitiBank has also been unable to or unwilling to provide any evidence to me that I authorized the charge. Contact at Citi also stated that the vendor did not respond to Citi 's inquiries. Why would Citi rule in favor of vendor who did not respond over their customer who has been very responsive and took the initiative to reach out to vendor to confirm that I did not make the charge. 

Additional points. Prior to this transactions, I have not had any dealings with XXXX  in recent memory. The credit card in question was only newly issued in late XXXX and therefore, I could not have been the one to provide the credit card # to XXXX. Additionally, Citi Confirmed on the morning of XX/XX/XXXX that there were no additional charges after the {$1700.00} charge on the card right before they cancelled that card. They should have been responsible for preventing any additional charges to the card from that point on. Apparently they were too slow to cancel the card and at some point between the time at which they said they would cancel the card and when it was actually cancelled the XXXX charge hit the card.

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 2021-03-02
Company: Chime Financial Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
i had XXXX dollars in my chime account my card was working jus fine thursday the XXXX my account was suspended with no reason was ask to support documents which i did and never was contact again

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: BMW Financial Services NA, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
On XX/XX/XXXX, I entered a lease on a XXXX XXXX XXXX XXXX / XXXX  with BMW Financial Services and XXXX XXXX XXXX XXXX XXXX  
The XXXX XXXX XXXX XXXX XXXX   XXXX was going to be Titled, Tagged and Registered in Florida. I am a Florida State Resident, and have maintained my Florida Residence since I was called to XXXX XXXX  serving in the XXXX XXXX. Therefore, I am tax exempt, and filed the necessary exemptions, and affidavits. I terminated the lease, and returned the vehicle to XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX

I cancelled the additional warranties, annotated in the Lease Contract, the BMW Tire & Wheel Protection ( {$1500.00} ), and XXXXXXXX XXXX Paint Protection ( {$600.00} ).

I requested my refund for the additional warranties, I was instructed I have to receive the refund from BMW Financial Services and the BMW Selling Center. XXXX XXXX XXXX stated I have to receive the refund for the BMW Tire & Wheel Protection from BMW Financial Services. I received email notifications from XXXX XXXX Director, XXXX XXXX. that I had to receive the refund for the XXXX XXXX from BMW Financial Services or XXXX XXXX XXXX XXXX XXXX., Finance Manager, XXXX XXXX.

On XX/XX/XXXX I confirmed and verified with XXXX XXXX  County Tax Collectors Office Tedra Reid, and XXXX XXXX ( Asst. Manager Tag & Title Dept. ) the XXXX XXXX XXXX XXXX / XXXX  was never Titled. If this vehicle had been registered, and my existing tags transferred it would have only been {$64.00}.

I was erroneously charged {$2100.00} for license fees, registration, title, and taxes for the XXXX XXXX XXXX XXXX XXXX XXXX  

Therefore, I am requesting a refund of {$4200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01
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:
This account is fraudulent XXXX XXXX XXXX {$5400.00}

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 2021-03-02
Company: GOLDMAN SACHS BANK USA
State: MI
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:
XX/XX/2020 its XXXX $ And the for the merchant XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01
Company: ORG GC GP Buyer, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
AS XX/XX/2019, AMOUNT XXXX WITH XXXX I BEEN TALKED WITH XXXX ACCOUNT REPRESENTATIVE I NEVER APLIE ANY CONTRACT WITH PRINT, HOW COME XXXX   SENT LETTER OWE MONEY WITH THEM, AND PUT ME ON XXXX XXXX  XXXX .PLEASE DON'T CHEAT MY SOCAIL INFORMATION, ANYWAY WANT ME PAY OFF AMOUNT THEY WANTED AND 2 PACKED WITH RETUN DEVICE, AS HORRIBLE FOR MY LIFE. I NEVER KNOW THAT AMOUNT AND THE ACCOUNT THEY PUT ON ME, WERE TALKED WITH FONE, AND THEY DON'T WANT HELP ANYTHING, JUST WANTED MONEY PAYING,,, THAT NOT FAIR WHEN XXXX USING WITH I AM THE VICTIM

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: MS SERVICES LLC
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: Information belongs to someone else

Complaint:
I have a fraudulent collection on my credit report. MS Services LLC account number XXXX for {$280.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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:
Have called daily since XXXX and only one call back. The rep on the call back told me she would have to turn me over to the legal department. This involves a purchase from wal mart grocery that was canceled and the hold amount on this card was XXXX. Wal mart has provided the transaction info showing the amount presented to capital one and capital one refuses to process the transactions from wal mart.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I made an online {$290.00} purchase of a shower door at XXXX  using my Capital One XXXX XXXX Card.
Very soon thereafter I received a fraud protection email from Capital Once asking me to confirm that this was a legitimate purchase.
That same fraud protection email said " if your purchase funds were denied, please re-purchase '' 1st Capital One should know if they denied the payment. The fact they did n't know made me suspicious of the authenticity of their email, and 2nd and most importantly, I was not aware that my purchases can generally be denied merely because XXXX questions why I am buying a shower door from XXXX XXXX.
I have been a Capital One XXXX customer for at least 10 ( maybe 20 ) years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: GREAT LAKES
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I started additional principal payments about 2 years ago. A year ago I realized Great Lakes was not applying the additional principal payment to the principal. They were instead keeping it as a prepayment. I called and was informed I had incorrectly set up the payment options. I changed the payment options to what customer service advised me, so that excess payments would apply to principal and not just be held as a prepayment. Tonight in checking my account I see that I still haven't gotten any credit for the excess payments and over {$1000.00} is being held as a prepayment while I'm accruing interest on my loan balance. 

As a college grad I find it unacceptable that I am not able to pay off additional principal due to confusing online payment options and inaccurate direction from customer service. 

https : //mygreatlakes.org/XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: EQUIFAX, INC.
State: PA
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:
This account was opened without my knowledge. I have already notified the company that this wasn't my account yet it still remains on my credit report. XXXX XXXX XXXX XXXXXXXX account # XXXX. I have a court order declaring me a victim of identity theft. I also have a letter from the District Attorneys office that states that someone is using my identity She got pulled over and gave my ID while I was 2000 miles away. Please delete this account immediately from my credit report. Equifax has chosen to repeatedly ignore my Court order declaring me a victim of identity theft and have left these fraudulent Accounts on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
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:
this account was paid in full and close buy the consumer please removed any negative information from this account. 

XXXX Account Number XXXX Account Type Credit Card Terms Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid or paying as agreed Status Updated XX/XX/XXXX Balance - Balance Updated - Credit Limit {$5000.00} Past Due Amount - High Balance {$6300.00} Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, NY XXXX Ownership Individual account Original Creditor - Company Sold-to - Original Amount - Comments

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: DISCOVER BANK
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Discover filed a 1099c for the debt, and it has been settled with my 2020 Tax Return. Discover should either remove the debt off the report, report the balance as XXXX. 

Theyre still reporting negative remarks on report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: T.S. Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ATTENTION TO I.Q. DATA INTERNATIONAL ( XXXX XXXX XXXX  XXXX  ) I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$420.00} does not belong to me. This account was fraudulently opened through this company I.Q. DATA INTERNATIONAL ( XXXX XXXX XXXX XXXX ) in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-12
Company: SYNCHRONY FINANCIAL
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 status incorrect

Complaint:
Synchrony Bank is reporting the same credit card account on my credit reports twice ( duplicate credit card accounts ).

This makes it look like I have 2 credit cards from JC Penney that were opened in XX/XX/2016, instead of only one.

The reporting of duplicate credit card accounts is hurting my credit score, because it incorrectly shows that I have opened 2 JC Penney credit accounts within the past 2 years.

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 2020-06-02
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: Information belongs to someone else

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX {$250.00} XXXX   XXXX {$280.00} XXXX XXXX XXXX {$520.00}

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 2020-08-26
Company: EQUIFAX, INC.
State: LA
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:
Someone has stolen my identity. Back in 2011 someone got a hold of my wallet at local bar for the last 9 years I have had bank accounts, credit cards, etc in my name that I did not agree with nor known anything about

Company response to consumer: Closed with explanation