BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Equifax refuses to supply my free, weekly online credit report. I have no problem with the other 2 credit agencies, but Equifax will never send the free report. This has been going on for over a year. I do not trust them to submit a request by mail with the many personal items they are requiring. 
I would like to receive my free weekly online report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
JP Morgan Chase received a deposit of {$300000.00} not included tax fee 's. Thirty days after this deposit XXXX XXXX set up a unauthorized invesment account # XXXX was opened without contact. 
On XX/XX/XXXX {$80000.00} On XX/XX/XXXX {$52000.00} On XX/XX/XXXX {$51000.00} this continued until the savings account # XXXX was EMPTY. 
PLEASE SEE ALL ATTACHMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Hello, On Monday XX/XX/XXXX, my employer-sponsored 401k account ( via WellsFargo ) was compromised when an unknown individual called in ( posing as me ) and successfully transacted a {$18000.00} loan ( sent to his bank account, via ACH ). Attached is a full timeline of events as I know them. 

My plan is called : XXXX Dollars & Sense 401k ( via Wells Fargo ). 

On Thursday XX/XX/XXXX, I noticed suspicious activity on my Wells account when I received a notification saying my login information had changed. This is when I called in, inquired about what was happening, and discovered that the loan was taken out days prior. 

I opened a case with Wells ( XXXX ), with their Retirement Services Fraud team. They are mailing me some type of " fraud packet '' to my home address, which I need to sign + return to them so they can initiate the investigation. 

HERE 'S THE THING : I also received a letter from USPS ( dated XX/XX/XXXX, which I discovered and read this morning ). It was a confirmation that my " mail forwarding request '' had been successful. So ... the person who stole my identity is also receiving my mail. Which will make it challenging to comply with Wells Fargo 's policy ... of opening this fraud case. 

Tomorrow ( Monday XX/XX/XXXX ), I'll be contacting USPS to clarify the mail theft issue. I'll also be sitting down with a detective at my local police station to go over everything that I know. I will also contact Wells Fargo letting them know about my USPS mail issue ... and see if they can send the fraud packet to a local branch.

I certainly do not have the " warm and fuzzies '' from Wells Fargo on this matter ... and I'm hoping the CFPB can assist me in securing my account + resolving this matter.

Thank you very much! 
-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 2020-07-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
on the XX/XX/2020. the was hacker into my checking account, and use app " XXXX  '' to sent money out my account ( one times for XXXX and XXXX ) early XXXX around XXXX XXXX I dicovery it then Call ussaa bank to complain. they said open the fraud clamp and help me reset account XXXX XXXX. I did change password, security code. I did not I don t use " XXXX  '' and like to remove it but they insist that is part of the bank. 
Next day when I check my account again the is total " six transfer " money out my account USING XXXX same receicers. 2 of them did go throught and 4 is stop and did return back to my account.time hap ) pen is within 3 min ( from XXXX to XXXX XXXX USAA BANK later issue letter state they found no evident fraunt found on my account. and refuse to refund my money. total around XXXX I did talk to IT guy in USAA and he said hacker used diference device hack into account I did call USAA AGAIN on friday but tey said decicion have been made. there no fraud on my account I like to help me how to get my money back from the bank and where Ican go for help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: The DeGrasse Law Firm, P.C.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
My Ex husband opened XXXX XXXX account in my name and now XXXX  collectors are harassing me with collection and now they sued me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
FIA Card Services Full acct # XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX - DECEASED We have been working with FIA Card Services for over a MONTH to get an updated settlement letter with the lien release verbiage that is REQUIRED PER CALIFORNIA STATE LAW. The current letter they have sent does not address the LIEN that is tied to the property as a result of the judgement. We made it clear from the beginning that we needed this verbiage on the letter and we were assured it would be on the letter. -- -- -- -- -WE HAVE BEEN LIED TO FOR A MONTH!!! -- -- -- -- -- Our title company needs to know that once FIA receives payment the lien WILL be released promptly -- - We are not asking you to release the lien early, or before the close of escrow. 

**********This is the same bait and switch language that BAC subsidiaries and its partners used back in the early days of the short sale crisis to defraud consumers. 

**********Laws in California were passed so that if a settlement is reached the debt collector is required to also release the judgement, and therefore the lien, against the property. FIA seems to believe they can receive money for a settlement and then NOT release the judgement AND attempt to extort money out of the DEAD borrower sometime in the future. 

**********According to the reps I have spoken with over the last 2 days THERE DOES NOT EXIST ANYWHERE IN FIAS LEGAL DEPARTMENTS LIBRARY A LETTER WHICH HAS THIS RELEASE VERBIAGE AND THEREBY COMPLIES WITH CALIFORNIA STATE LAW. -- -- -- -- -- -- Time is of the essence, as not only is there an upcoming foreclosure date, but this property also has multiple other liens, including 2 mortgage liens and an IRS lien, all of which have already sent the appropriate approval letters with the REQUIRED VERBIAGE PER CALIFORNIA STATE LAW. XXXX FIA CARD SERVICES IS KNOWINGLY BREAKING CALIFORNIA STATE LAW BY REFUSING TO PRODUCE THE REQUIRED LIEN RELEASE VERBIAGE. -- -- -- -- -- This is UNACCEPTABLE. I  want the updated settlement letter for {$690.00} that was promised to us 3 weeks ago with the lien release verbiage that is required per California State Law. 

Attached is the previous settlement letter and the authorization letter showing I am an authorized third party for this estate.

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 2019-08-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have a eBanking checking account with Bank of America ( BOA ) since XX/XX/XXXX. Basically, I don't need to pay the maintenance fee for this account if I do not go use BOA branches and access the account online only. And in past 7 years, I didn't receive any maintenance fee charge for this account. 

But when I checked my statement yesterday, I found I had been charged { {$12.00} } maintenance fee since XX/XX/XXXX, and had been charged 17 times, { {$200.00} } in total, resulting a negative {$13.00} balance in my account. So I called the customer service to figure out what happened on XX/XX/XXXX. Then both the agent and his manager told me, on XX/XX/XXXX, BOA converted the free eBanking checking account to Core Checking, and customers would be charged for { {$12.00} } maintenance fee unless they meet certain criteria which were not required for the previous product ( eBanking checking ). They can not refund me the charged fees and closed my accounts. 

I asked when the notice sent out to the customers because I didn't receive any notice of this change ( I confirmed this by checking through my email inbox as I never received any paper mails regarding this change ). Then I was told the policy change was listed in one of the regular monthly statements, online only, the one in XX/XX/XXXX. Finally when I opened this month 's statement, it is on the last two pages ( page5-6 ) and comes after a blank page. The regular statement is 4 pages every month, and in color, but this 'Important message ' is in the last two pages, in black white only. 

This is totally reckless, misleading, and arbitrary. If the bank decides to do the change, which will potentially damage customers benefits, and sell customers the service that apparently does not suit their needs, it should notify customers in a more direct and transparent way. It's hard for me to find the information from one of many monthly statements, especially given the fact that this information is attached after a blank page which is usually the ending page of all other monthly statements. The agent told me all the eBanking customers were notified this way- through one of the monthly online statements. So not only me, many other customers were treated unfairly by BoA during this eBanking account conversion.

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 2018-09-17
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SSN : XXXX DOB : XX/XX/1983 please be advised that a copy of this letter has also been sent via certified mail. 

the XXXX, XXXXn and experian credit reporting agency have all been dishonest in its investigation of this chapter XXXX & chapter XXXX bankruptcy being reported under my name, after receiving my credit report it was confirmed that the company lexis nexus was the supplier of this invalid account being reported, so I called them to request that I have this validated and they stated that they have not validated this debt with XXXX, experian or XXXX, furthermore I went to the federal bankruptcy courts ( letter attached ) to attempt to gain any information being reported and they gave me an official statement that they do not furnish information to anyone or any credit reporting agencies. According to the bankruptcy court ( letter attached ) they do not verify bankruptcies with the credit bureaus. 

I demand direct, not third-party, proof according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) or delete the bankruptcy from my record according to FCRA, Section 609 a ( 2 ). 

please provide me with the courthouse name, address, phone number of who verified this debt

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 2019-08-28
Company: EQUIFAX, INC.
State: PA
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 sent multiple letters out to the XXXX, XXXX, and equifax disputing account # XXXX this has a comment reading Account legally paid in full for less than the full balance which is inaccurate. I have attached a letter from the lender stating the the vehicle was paid in FULL not paid for less than the full amount.This letter was also sent to XXXX, XXXX, and equifax and they are still reporting inaccurately. This has not been fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My contact telephone number, on TD Bank 's records, at XXXX XXXX XXXX XXXX XXXX NY XXXX was fraudulently changed by bank employees. Employees and/or co-conspirators counterfeited two checks, one for {$2800.00} and one for {$2900.00}. On XX/XX/2018, Co-conspirators called bank on XX/XX/2018 and had employees transfer {$3000.00} from my corporate checking account to my personal checking account both domiciled at above TD Bank. On same day, co-conspirators cashed the foregoing checks at two different XXXX XXXX XXXX  branches of TD bank.The reverse side of one of the counterfeit checks that was cashed has an inscription " called customer ''. The teller called the telephone number of the perpetrator to which my records were changed. The perpetrator answered the phone and identified himself as me and the teller cashed the check. The other check has no such notation. When I reported this to XXXX XXXX, TD Bank representative, she called the perpetrator and he could only give her my address and not my social security number or date of birth. Therefore, the tellers or the employee who trfed above {$3000.00} could not have gotten necessary ID for Perp. Therefore, this embezzlement could only have been perpetrated by or with the needed assistance of TD Bank employees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
Uhm first off, I was wondering who gave you authorization go through my credit?

When I got my car, I never expected them to pull a credit report to 8 or so different banks. The only on that is legit is XXXX XXXX. Are you able to remove all the i necessary hard inquires? I had no idea they would pull hard inquiries XXXX XXXX, I said to fill out a form to see if I am prequalified and wine affect my credit but there Is a hard inquiry for that one Also I have NEVER herd of XXXX XXXX XXXX. Although theee was a credit card company call XXXX XXXX. I never activated it and they charged me for the first year and then I didnt know it automatically activated ( never hear this happen ). But it shows a late fee which I do not have.

Can you help remove the XXXX in and XXXX XXXX  once and for good OFF my record.

Under XXXX  there re more accounts I dont know about. 1. XXXX 2 XXXX XXXX 3. And finally the XXXX XXXX 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 explanation
Consumer complaint received 2021-04-02
Company: Experian Information Solutions Inc.
State: HI
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 disputed MULTIPLE times with Experian a collection that was paid, yet they have not once responded out to me to let me know anything! I have had no correspondences with Experian, no confirmation of even receiving my disputes. The first time I disputed was XX/XX/XXXX ; then again on XX/XX/XXXX, XX/XX/XXXX and as recently as XX/XX/XXXX. Yet here I am, a year later, with NO communications from Experian! This is not acceptable in any way.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The accounts listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Account Number : XXXX XXXX/XXXX   Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX   Account XXXX : XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am disputing inacurrate information on my credit report and I submitted 3 disputes to Experian. I do not believe that my legal right to dispute by mail was handled properly. I was sent a letter that said my dispute was suspicious. How is a dispute about inaccurate information that has my ssn on it suspicious? The letter also said it would not investigate anymore of my disputes that look suspicious. There is nothing about my dispute that was suspicious and I was requested to call or dispite on lineand I don't want to do that. 

The accounts I disputed was : XXXX XXXX XXXX- XXXX I don't owe these people XXXX XXXX   XXXX I don't owe these people XXXX XXXX XXXX Inaccurate 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 2020-08-25
Company: FIRST CITIZENS BANCSHARES, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
First Citizens Bank was offering a checking bonus of up to {$500.00}. Earn {$500.00} when you open a new XXXX checking bundle and complete the following requirements : Maintain a combined Checking and Savings average deposit balance of {$15000.00} or more for 90 days ; Establish a direct deposit of at least {$4000.00} per month or make 10 debit card transactions within 90 days of account opening ; Open a  new savings account. The bonus should be posted within 120 days of meeting these terms. Detailed terms and conditions is attached here as well. I completed all the conditions on XX/XX/2020. More than 120 days passed, but no bonus was rewarded yet.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-01
Company: EQUIFAX, 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:
IN REGARDS TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX.

I HAVE HAD AN ON GOING ISSUE WITH EQUIFAX NOT DELETING ITEMS OFF MY REPORT ONCE THEY SAY THEY ARE GOING TO THE DELETE THEM AND THEN THERE STILL CURRENTLY REPORTING ON MY CREDIT REPORT. THIS IS HIGHLY UPSETTING ME AND I DONT KNOW WHERE TO TUEN BUT TO YOU GUYS FOR HELP. MY CURRENT ISSUE IS THAT THEY ARE REPORTING A XXXX STUDENT LOAN ACCOUNT THATS NOT EVEN MINES. I HAVE NOT DONE BUSINESS WITH XXXX NOR HAVE I HAD A LOAN WITH THEM AND EQUIFAX REFUSES TO REMOVE THE FRAUDULENT INFORMATION OFF OF MY CREDIT REPORT WHICH IS REALLY HENDERING ME IN A NEGATIVE MANNER. I'VE SENT IN CERTIFIED DISPUTE LETTERS TIME AND TIME AGAIN WITH NO REPSONSE AND OR ANY MAILED BACK RESPONSE UPDATED CREDIT REPORTS INDICATING MY RESULTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
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: Public record information inaccurate

Complaint:
On XX/XX/2020 I filed a complaint with cfpb in regards to Equifax reporting an inaccurate, incomplete and unverified bankruptcy on my credit file. On XX/XX/2020 Equifax stated that they verified the bankruptcy information as being accurate with the information furnisher and that they would mail me the results of their investigation. In the results that they mailed to me, they stated that XXXX XXXX furnished the bankruptcy information and that it was accurate. However on XX/XX/2020, I received a letter from XXXX XXXX stating that they had deleted the inaccurate bankruptcy from my file because of the inaccuracies that were found. How is it possible that Equifax conducted a proper investigation if the public record furnisher has deleted this inaccurate information from their files due to multiple errors.

Company response to consumer: Closed with explanation