BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-20
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have had a Chase college checking account since XXXX, that Chase just closed today without any notification to me, nor any explanation for the closure. I opened this account as a joint account between myself and my father as I was XXXX years old at the time. On Wednesday, XX/XX/XXXX my father and I discussed and agreed upon removing his name from my account as it is no longer necessary and he is not interested in managing my account. We live in different states, and with my permission, he went to his local branch on XXXX XXXX in XXXX XXXX, NJ, and spoke with a banker about removing his name. They called me on the phone while they were there, received my information and approval, and told me to come in at my convenience on a later date to sign something certifying my father would be removed. I did just that, but upon showing up was told my account was frozen and they could not tell me why. Since it was a weekend just before closing, they advised me to show up to any branch location on a weekday and they'd be able to resolve and open my account back up. I did just that today XX/XX/XXXX, and was told the back office elected to close my account without explanation. I was told I was not going to receive any explanation of why my account was closed, and that I would be able to open any other accounts with Chase. I have never committed a crime, been a victim of fraud, neglected to pay a fee or bill, and my credit score is excellent, over 800 points. Like I said, I was given zero notification of the closure of my account. They did not give me any prior warning so I could adjust by opening an account elsewhere so I'd still be able to pay my bills. Just silently closed my account. This is outrageous, inconsiderate, and incompassionate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
Company: CL Holdings 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:
JEFFERSON CAPITAL SYSTEM Last reported XX/XX/2019 {$1500.00} Open balance XXXX XXXX XXXX Original creditor -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Dispute item. Doesn't belong to me. Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Dear CFPB, On XX/XX/2021, I submitted a complaint to you regarding TransUnion see previous case # XXXX. Not only was this matter not taken seriously but quite frankly it was ignored. Please see the previous documents submitted in case # XXXX. Not only did TransUnion not follow the regulatory guidelines but also fail the action in providing {$1000.00} for each deletion due to their error on my credit report. In addition, I have filed with the XXXX mail service an identity theft report against Transunion for not having a prior written authorization as to the personal private information in my consumer report. The US Mail ID Theft case number is # XXXX. 

The violations are as followed : XXXX XXXX per deleted tradeline which were ( 3 ) in total. 
XXXX XXXX ( Direct Dispute ) and XXXX XXXX c ( 2 ) ( B ) ( C ) ( i ) ( ii ). Also 15 USC 1681n and 15 USC 1681o and finally 15 USC 1681q as it relates to Identity Theft. I hope to resolve this matter privately. I have already sent an a legal demand notice to Transunion LLC located in XXXX Delaware. The USPS tracking number for this document is XXXX XXXX XXXX XXXX XXXX and my return receipt USPS tracking number is XXXX XXXX XXXX XXXX XXXX XXXX. I hope to resolve this matter with TransUnion in the next 30 days before pursuing other options. Regards, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 following credit inquiries listed on my Trans Union, XXXX and XXXX credit report are fraudulent, unauthorized and not my credit inquiries : XXXX XXXX XX/XX/20, XXXX XXXX, XX/XX/20, XXXX XXXX XXXX  XX/XX/20, XXXX XXXXXXXX XXXX, XX/XX/20, XXXX XXXX XXXX XXXX, XX/XX/20, XXXX XXXX XXXX XXXX, XX/XX/20, XXXX XXXX, XX/XX/20, XXXX XXXX XXXX, XX/XX/20, XXXX XXXX XXXX XXXX. Furthermore, I want all fraud and security alerts immediately deleted and removed from my credit report. I do not want any fraud or security alerts on my 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 2020-10-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
In XXXX of 2019 Bank of America reported me to the XXXX XXXX XXXX  due to suspicion of bank fraud. Before they reported me I had noticed a negative balance on my accamd I quickly called them to discuss it. I told them to close the account because I didnt use my debit for the past days and I couldnt find it so someone clearly used my debit card to commit fraud on it. I explained to them that I uad lost the card and they told me they were going to close the account and allow me to open a new one. But that wasnt what they  did, they reported me to the EWS and I havent been able to open an account since. I made a dispute about the situation to EWS amd they sent me back a comsumers reports showing what happened and it showed that someone tried to deposit a fake check. Bank of America has no proof that it was me for them to just report like that. The only thing they have is what is on file. They can check the cameras of the atm in Bank of America. The transaction was made through an atm in XXXX, NJ and I live in XXXX XXXX, NJ. I want to be able to open a bank account this isnt right.

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 2023-06-20
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I already have a case number, which is XXXX. 
I received an email from XXXX XXXX from Wells Fargo. I tried emailing and calling with no return call or email from him, since he is the person who contacted me. 
I told him i would like to get an update. They are just ignoring me!!!!!! 
I have found out, on my own via the police dept., that my check was cashed at an ATM at XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX I STILL THINK WELLS FARGO SHOULD BE INVESTIGATED FOR TELLING THEIR CUSTOMERS, AS PROBABLY ABOUT 8 DIFFERENT EMPLOYEES OF WELLS FARGO TOLD ME, THAT THE FUNDS WOULD BE RETURNED TO MY ACCOUNT, ONCE THEY ESTABLISHED IT WAS FRAUD. I THINK THE EMPLOYEES I SPOKE WITH WERE TELLING THE TRUTH BUT WELLS FARGO DECIDED TO NOT HONOR WHAT WAS TOLD TO ME. 
I STILL BELIEVE THEY HAVE ENCOUNTERED MILLIONS OF DOLLARS WITH FRAUD INVOLVING CHECKS AND HAVE MADE A DECISION TO LIE TO THEIR CUSTOMERS, ON A LARGE WIDESPREAD BASIS, AND SCAM THEIR CUSTOMERS, BY NOT REIMBURSING CUSTOMERS FOR WHAT WAS STOLEN. THEIR HISTORY CERTAINLY DOCUMENTS THAT THEY ARE CAPABLE OF DOING DISHONEST AND ILLEGAL THINGS.

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 2022-08-10
Company: Resurgent Capital Services L.P.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
LVNV FUNDING LLC/RESURGENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/2022 RE : PERMISSIBLE PURPOSE LETTER To whom it may concern. 

I, ( XXXX XXXX ) never gave ( XXXX, XXXX, OR, LVNV FUNDING LLC ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute You also do not have any permissible purpose to furnish my personal information to any third party.

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following accounts : Name of Account Account Number Provide Verification XXXX/LVNV FUNDING LLC XXXX Unverified Account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
5 third Bank charge so much in overdraft fee ive been overdraft XXXX days and i went from over drafting in the amount of XXXX now i owe XXXX dollars in over draft ive paid multiple overdrafts with fifth third they have told me the system has not updated and thats why when you paid the fee it hadn't updated in the system that's why i got charge ive been with then for XXXX months and have paid over XXXX in ovetdraft fees with overdrafting in small amount

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
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: Information belongs to someone else

Complaint:
I have notice there was an unauthorized account reported on my consumer report. I have reach out to XXXX XXXX and also reached out to Equifax about my concerns about the following account which is XXXX XXXX XXXX Your agency has furnished this account that is Identity theft after I have contacted your agency about this matter according to FCRA I am entitled to monetary compensation 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been over 30 days and you are in VIOLATION of this law because I am a victim of identity theft Please delete these items IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: PENTAGON FEDERAL CREDIT UNION
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My first mortgage is with PenFed. My payments are on autopay through my bank. I have never missed a payment or made a late payment. In fact, I make my full payment plus principal payments every month. Recently it looks like PenFed updated its online account dashboard. I logged in and noticed my account said that my XX/XX/XXXX payment shows past due even though it also shows they received a payment from me on XX/XX/20. The problem is they applied my XX/XX/XXXX payment as " OTHER ''. Clearly their error, but I have tried to call PenFed every day from XX/XX/20 - XX/XX/20 to get it corrected. The call wait times ranged from 198 minutes to 84 minutes. I have tried to contact PenFed by email and secure messages through my online account. After a full week of trying I still have no response from PenFed!! My account continues to show  past due and there seems to be no way for me to get ahold of anyone for help. I tried other phone numbers on their website and spoke to their answering service who explained they have large call volumes due to low rates. What about their current customers?? They still need to service their existing customers and after a full week of trying to get someone ( anyone ) to help me, I feel like I have no other option than to file a complaint.

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 2023-05-08
Company: EQUIFAX, INC.
State: MN
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:
They are saying I took out a XXXX loan in XXXX I never attended XXXX in that year nor did I take a loan out in XXXX. 

I'm pretty sure my school actually closed down for good around that time

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: The Bureaus, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX someone from the bureau company reached out from me saying I owe the debt I told him I didn't order that I don't even know what that is they told me they were going to take me to court assuming for the day and that I should pay it and that they would take half payment if I paid it today 50 % off

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: W&A Intermediate Co., LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
There false deceptive practices has continued Wakefield & Associates even gave me a fake address to mail my letter to. The post office told me the address does not exist. Wakefield & Associates , LLC agreed not to ever contact me as long as they are in business and agreed to pay me {$5.00} if they break that agreement ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .... I want Wakefield & Associates , LLC to honor the agreement that they broke on ... ... ... ... .... 
XX/XX/2023 by contacting me again account # XXXX ... ... ... ... ... ... XXXX ... ... XXXX ... ... ... ... ... ... ... .. XXXX unfortunately you have broke the agreement contact me only thought CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
Company: AMERICAN EXPRESS COMPANY
State: AZ
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:
XX/XX/2019 : I paid {$1400.00} to American Express. I had closed my account 2 months earlier proactively. It became past due. I then paid {$1400.00}. 

XX/XX/2019 : I had submitted complaints to both XXXX and AmEx that they only show my account closed now. They show {$0.00} payment made. I even sent the screen shot of payment posted and cleared. They need to show that I made a {$1400.00} payment. 

NOTE : When XXXX executed the complaint, my credit report was updated to show new balance on the account, but shows a {$0.00} payment made. That is designed to be deceitful, so that another creditor will assume the amount was written down {$1400.00}, versus paid. AmEx needs to show that I paid {$1400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hi, I noticed a hard credit inquiry on my Equifax credit report from XXXX XXXX, XXXX for XX/XX/XXXX. As I had not applied for any credit products from XXXX or otherwise consented for them to pull my credit, I called the company today, XX/XX/XXXX to  try to understand why. 

After spending 20 minutes on the phone with customer service, who was very nice and helpful, they found out that it was policy to pull credit on all new accounts at the firm. 

Now, that said, I 'm a XXXX XXXX, and I 've been a client of XXXX for about 8 years or so. I recently opened some brokerage accounts via their XXXX XXXX  platform, which XXXX acknowledges is the reason for pulling my credit. However, I did not apply for a credit product of any kind. Moreover, the MOST important series of facts is that there is no where, to my knowledge, in the account opening documents where I provided my consent. Additionally, if it was included in the docs and I somehow missed it, which would surprise me, it is certainly buried and in no way evident or obvious to a XXXX XXXX, and similarly is likely unknown to other consumers. Prima facie, this is a violation of the Fair Credit Reporting Act ( FCRA ) and I expect it to be addressed appropriately. If not, I will consider remedies under FCRA. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I tried placing a credit freeze online with Equifax in XX/XX/2021, however I was unable to online. I then called Equifax customer support to remedy the problem. In XXXX, I mailed in a photocopy of my driver 's license and social security number card to verify my identity per instructions from customer support. On XX/XX/2021 I called Equifax customer support to place a credit freeze, and they refused to do so. 

In XX/XX/2021, XXXX and XXXX were able to place a credit freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: Experian Information Solutions Inc.
State: TN
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:
Experian has failed to properly investigate and verify a negative account on my credit report after delivery of multiple letters from myself. My last letter was sent on XX/XX/2020 and delivered on XX/XX/2020. I gave them 30 days plus more and they have yet to respond or send me an updated credit report. Experian did not show evidence on how they verified the negative 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 2017-12-11
Company: M&T BANK CORPORATION
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Complaint part A. On XX/XX/XXXX, M & T Bank notified me that the owner of my loan was XXXX XXXX XXXX. On XX/XX/XXXX M & T Bank notified me that the owner of my loan was XXXX XXXX XXXX XXXX AS TRUSTEE. At some time after XX/XX/XXXX, and before XX/XX/XXXX, my mortgage loan was transferred from XXXX XXXX XXXX to XXXX XXXX XXXX XXXX AS TRUSTEE in M & T Bank 's records and in their notices to me. However, I have not received the Mortgage Transfer Disclosure required by 12 CFR 1026.39 ( b ). I requested that M & T Bank provide the date of the mortgage transfer ; the name, address and telephone number of an agent or party authorized to resolve issues concerning my payments on my mortgage loan ; where transfer of ownership of my mortgage loan to XXXX XXXX XXXX XXXX AS TRUSTEE is or may be recorded in public records ; and the partial payment policy of XXXX XXXX XXXX XXXX AS TRUSTEE. See attach_1.PDF M & T Bank replied by denying that a transfer of ownership had occurred and deceptively asserted that somehow a master servicer ( XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX AS TRUSTEE were the same owner. See attach_2.PDF Complaint part B. I requested copies of any correspondences that M & T Bank received from XXXX  concerning my mortgage loan. M & T Bank did not provide the correspondences that they received after 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 2019-10-29
Company: Experian Information Solutions Inc.
State: LA
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 mailed in several documents about identity theft and inaccurate information being reported to all the bureaus XXXX, Experian, and XXXX. All companies have not fully complied with the Fair Credit Reporting Act and it is disturbing me that I have requested verification and validation of whom the reporting agent is to the fraudulent accounts. Student loans accounts totaling up to $ XXXX do not belong to me as I have not had any financial obligation to a loan from any school whatsoever. I mailed in documents identity theft affidavits, other agencies that made claims of a debt that I have not saw any validation from the bureaus to confirm anything attaching me to a contract or a actual debt I owe. I began disputing this information in 2017 and still have not had success clearing up this fraud that is giving me nothing but problems. I have faxed over documents to XXXX several times within the last 5 months. The only company that has almost complied is XXXX, every other company has not done there job to report information accurately.

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