BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-15
Company: Action Financial Services, LLC
State: TX
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:
The call that broke my back is today XX/XX/2018at XXXX. 

They have called so many times using several different phone numbers to contact me. I would ask them who is calling. Several times, they refused to give me names or the company they represent. So, I would tell them to put me on the no call list and do not bother me again. However, they ignored the request and continued calling. I happened to be in my family lawyers office on XX/XX/2018 at XXXX XXXX. I gave the phone to my lawyer and asked him to inform them not to contact me. They stated that they removed me from there contact list. However, at XXXX on XX/XX/XXXX, they called 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
Consumer complaint received 2019-06-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/2019 at around noon I went to cash a check for {$7300.00} to the Bank of America office in XXXX XXXX XXXX XXXX, CA at first the teller asked me if I had an account, since I did not she told me she could not cash it, even though it is a check from Bank of America, because the amount was too much! I asked what is the max account she told me she could not tell me. Then she called the AVP Financial Center Manager, XXXX XXXX. XXXX, who proceeded to tell me if I did not wanted to deposit my check ( assuming I open a new account ) he " would not cash it '' because it was over the amount and I should go and deposit it to my XXXX XXXX ( my wallet was open and he saw my ATM card, I know because he pointed at my wallet ) I explained once again I wanted cash it and did not wanted to deposit it, to which he replied he would not cash because it was over the amount and he did not have to tell me what the max account is. I asked him to tell me based on what BofA bylaw was he basing his decision, he just repeated he would not cash the check for me and he left. 
I dont think I should be forced to open an account in Bank of America just so I can receive payment for services I rendered. Or as the teller told me as I was picking up my documents, go to a check cashing place where I would lose what I consider a high percentage of my earnings, or wait several days to receive payments if I deposit it to my account in my Bank XXXX as Mr XXXX suggested. Either way, I lose either time or money.

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 2016-02-11
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Hello I am just asking how I can read some of the mortgage company 's response back you gave me a link but it will not let me see that link my complaint number is XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: CITIBANK, N.A.
State: OH
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:
On XX/XX/2020 to XX/XX/2020 I was traveling from XXXX AZ. to XXXX OH. 
On XX/XX/2020 I checked into a XXXX XXXX XXXX in New Mexico and was informed there was a problem with my XXXX XXXX XXXX credit card which was never out of my possession. 
I called XXXX XXXX XXXX and told them to cancel the card. 
I tried to resolve the problem over the phone to no avail. They gave me a case number for their investigation # XXXX. I called several times over the next few months and was told the investigation was ongoing. I had paid the bill so I would not be charged interest on the bad charges. I was told I did not have to pay disputed charges while they were under investigation but they would still add on the interest charges. 
The charges they never resolved are : XX/XX/2020 XXXX  XXXX XXXX  XXXX SC {$100.00} I was in XXXX AZ XXXX/XXXX/2020 XXXX XXXX CA {$110.00} I was in XXXX AZ XXXX/XXXX/2020 XXXX XXXX XXXX SC {$97.00} As I explained above I was in New Mexico on my way to XXXX Ohio. Based on my credit card statement there is no way I was in any of those locations. 
Based on this information I do not believe CITI acted in good faith.

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 2018-08-15
Company: Freedom Mortgage Company
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I've requested a mortgage modification and submitted financials several times because of being laid off from several employers. My mortgage company Freedom mortgage has been unwilling to work with me and process my modification request. I recently secured full time employment.and I want to keep my home. The state of Tennessee requires the homeowner receive a 30 day notice prior to the property foreclosure sale per the Tennessee law. The letter from the attorney is dated XX/XX/2018 and I received the correspondence 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 2021-01-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX I deposited in my checking account number XXXX at Bank Of America that is opened under the name of XXXX XXXX XXXX, XXXX the check with number XXXX for the amount of XXXX dollars dated XX/XX/XXXX from XXXX XXXX. The check was deposited ONE TIME and the funds for the check posted ONE TIME to my account. 
On XX/XX/XXXX the amount of XXXX dollars was pulled from my account stating that the check was double deposited which is false statement.

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 2020-09-18
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5700.00}, {$1800.00}, {$0.00}, {$0.00}, {$0.00}, {$2700.00}, {$1400.00}, {$0.00}, {$5100.00}, {$250.00}, {$3400.00}, {$3900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2700.00} -This is not my account. 

7. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 

8. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNT 9. XXXX XXXX/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5100.00} -This is not my account. 


-- COLLECTION ACCOUNTS 10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$250.00} -This is not my account. 

11. XXXX FUNDING with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my account. 

12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account.

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 2020-09-18
Company: Universal Account Servicing, LLC
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I attended Florida XXXX XXXX - XXXX. In XXXX, FL. 
I graduated and always make my monthly payments. This is a private loan provided by the school. I was looking at the statements of my payments recently and found that the amount of interest charged is different for every payment. Example. For three months I paid XXXX which was the min. Payment amount while I was in school. One month the amount that went to interest was XXXX only XXXX for principal balance. Every month it differs. The interest rate on my account is 11.5 %. Every month they charge different interest. The website they use is XXXX Universal Account Servicing

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
An account with my name and social security number was opened under an address I havent lived at in five to six years. The account did not have my permission to be open and I never got a call or letter asking for approval. It was illegally opened under my name online and currently hurting my credit. I can prove that I didnt live at the residence they claim when the account was opened.Equifax has been sent all the information and has refused to take this off my credit report even though all other credit companys have.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5700.00}, {$1800.00}, {$0.00}, {$0.00}, {$0.00}, {$2700.00}, {$1400.00}, {$0.00}, {$5100.00}, {$250.00}, {$3400.00}, {$3900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, XXXX XXXX, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

3. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2700.00} -This is not my account. 

7. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 

8. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNT 9. XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5100.00} -This is not my account. 


-- COLLECTION ACCOUNTS 10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$250.00} -This is not my account. 

11. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my account. 

12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Twice in one month, I have had fraudulent inquiries on XXXX by JPMCB. I setup a fraud alert and froze my account but these fraudulent inquiries are still occurring, appearing on my report and have significantly lowered my credit score. The first dispute ( which was successfully resolved ) dropped my score XXXX points. The recent still pending dispute dropped my score an additional XXXX points with a total drop from XXXX to XXXX. XXXX is encouraging me to sign up for a monthly subscription plan with additional fraud monitoring but is not helping address or stop the fraud that is currently occurring.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: Checkr, Inc
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
On my background report I received a copy of, says I have had my name in three countys in the states of XXXX, XXXX & XXXX. I have only lived in two of those states, XXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: GreenSky, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
1) At time of sale with XXXX XXXX XXXX XXXX, their financial portal on the salesman’s screen of his phone read A) 9% APR B) 24 months interest free2) greensky sent a faux contract letter in the mail, stating my APR to be 3x (26%) as what it was at time of sale, and 6 months shorter (18 months) of I was also promised payments wouldn’t start until the project is complete, and the project won’t even start for another 2 months.Greensky is a sketchy company with shady APR. this is the second time they’ve done something like this to me. They have a policy of deceiving at the Point of sale.As you can see in the pictures below the salesman even signed into the contract “24 months interest free”I have tried to call several times, only once getting through the barrage of “select this number if you are...” to the right person, and they told me it’s the sellers fault. Which isn’t even plausible.

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 2023-11-04
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I filed a fraud account with chase XX/XX/2023 and received a letter from them taking action against the fraudulent activity and that it would be removed from my credit file. After filing disputes at all three bureaus XXXX says the inforwould remain on my report. Chase did not follow through with reporting it as identity fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19
Company: Blakely-Witt and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My identity has been stolen as well as my drivers license information as well as several other pieces of information by a person connected to a XXXX XXXX XXXX XXXX XXXX a XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  several others I do not owe the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I received a text from this phone number : XXXX ( XXXX ) XXXX Saying I have alerts with CITI bank. 
I do not own any accounts nor have any affiliations with CITI bank under my name/ social security. 
The text states I have an account with them ending in a number I dont recognize. 
And a sketchy link to a CITI banks alert site. 
I checked online and you would only be texted an SMS alert from CITI if you register on their app to do a 2 step authentication. 
CITI bank also states the phone numbers they send alerts from and that number is not listed. 
This phone number is also a personal number registered from New Jersey. 
Pleas look into this as this is a scam and also a fraudulent banking scheme.

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 2022-01-13
Company: Opportunity Financial, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, Consumer is requesting XXXX XXXXOpploans XXXX Opportunity Financial LLC XXXX Documentary Evidence pursuant to the TRUTH AND LENDING ACT. Under the FDCPA Fair Debt Collection Practices Act it says you MUST have proof of verification on your records. I am requesting a copy of that verification, by the way here is the legal definition for verification as this is a legal matter ; " A declaration swearing that statements made in a document are true. Depending on the jurisdiction, verifications are either made under oath or in the presence of a notary public or similarly authorized person. Verifications are traditionally attached to the end of all pleadings that are required to be sworn. Also called affidavit of verification. '' I am requesting verification of alleged debt under penalty of perjury which means that you swear and attest that the information or documents provided to me the consumer is true and correct. I need to see those Documentary Evidence information to validate this alleged debt you are claiming I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: GOLDMAN SACHS BANK USA
State: AR
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: Problem with personal statement of dispute

Complaint:
On XX/XX/2020, I bought a sofa from XXXX. they delivered me the incorrect sofa model and color. I called them to report the issue and so far they have not send no one to pick up the wrong one and send me the correct one. I have disputed the charges for {$2100.00} plus interest with apple card ( Goldman Sachs ). they never sent me any status o my dispute and they have keeping posting again the charges on my account. they not helping me at all, with this scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: Experian Information Solutions Inc.
State: NJ
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:
THE DISPUTED ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME, THOSE ACCOUNTS NEEDS TO BE REMOVED OFF MY CREDIT FOR THEY HAVE CAUSED TREMENDOUS DAMAGE TO MY CREDIT. PLEASE INVESTIGATE THIS MATTER AND HAVE THE DEROGATORY ACCOUNTS OFF MY FILE

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