BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received a mail letter from Chase bank on XX/XX/XXXX stating that they are closing my Chase checking account together with 4 Chase credit cards by XX/XX/XXXX. I called the number on the letter for a couple times but the customer representatives said they can't tell why my accounts are closed and they can't overturn the decision. I even waited for an hour to speak to a manager but his answers were the same. I had this Chase account since XXXX. This is my primary checking account. I use this account for direct deposit, mortgage, utility bills, tax returns, credit card bills, etc. I don't know what I did wrong on the account and I deserve an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I contacted my bank ( Wells Fargo ) regarding a debit from my account from XXXX that I did not authorize. I filed a claim for {$220.00} then {$90.00}. I was issued a temporary credit while they investigated. On XXXX, I received a letter stating the investigation was closed and I authorized the transaction. The letter stated I could call the number and receive documentation that made my bank reach that judgement. The letter also stated that the temporary credit will be reversed " 5 business days after XXXX/XXXX/15 ''. I called customer service to get information about my claim. I was told that it was closed but they still are in arbitration with XXXX and I may in fact get my money back. They told me that XXXX has until XXXX XXXX to respond again. I asked if they are still working to get the money back, why are they needing to reverse the credit. I was told that at that point they had to. No real answers. On XXXX/XXXX/2015 after XXXX, the credit was reversed. I had outstanding debits because I was expecting them to reverse the credit when they said they would. I called and requested to speak with a manager. I was told they will have a manager call me back within 24-48hrs. No call back. I received a bill from XXXX, showing where they reversed the payment of {$220.00} and put it back on my bill. I contacted customer service on XXXX, letting them know that XXXX reversed that. I wanted to know why if XXXX reversed it, why is my bank stating that the money was with XXXX. I also let them know I never received a call from manager. The representative stated no one was available to assist me since it was escalated to manager, so I must wait for a call. She put in a XXXX request. This is XXXX and I still have n't heard anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
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: Was not notified of investigation status or results

Complaint:
EXPERIAN RECEIVED MY DISPUTE OF XXXX XXXX XXXX XXXX .... ON XX/XX/XXXX. 

Please see below from their website : The dispute for the account with XXXX XXXX XXXX A that starts with XXXX has been received and should be completed by XX/XX/2022. 

Source : Experian Date Submitted : XX/XX/2022 Estimated Resolution Date : XX/XX/2022 Report Number : XXXX Account Number : XXXX SHOCKINGLY AND MAGICALLY EXPERIAN CONCLUDED THEIR INVESTIGATION ONLY 3 DAYS LATER, THEY SENT ME A DISPUTE REPORT WITHOUT ANY PROOF OF THEIR INDEPENDENT INVESTIGATION, NO VERIFICATION RESULTS, NO DOCUMENTS ON WHAT THEY INVESTIGATED, NOTHING WAS DONE!! 

THEY ONLY CLAIM THAT THE ITEM WAS UPDATED?? A CLEAR FCRA VIOLATION!!

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 2022-05-25
Company: PENTAGON FEDERAL CREDIT UNION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a checking and savings account with Penfed Credit union. I received a wire transfer and a check for deposit. My girlfriend is in XXXX and ran out of money, she has no food and had to stay XXXX XXXX. The apartment people took her passport because she hasn't been able to pay rent. She asked her friend for help and XXXX was wired to my account so I could get it to her. I gave her a little money and I went ti her bank and deposited money. But because she's in XXXX it cost a lot to convert it. I also received a check that is owed to me, XXXX dollars. 
[ ] I received a phone call that woke me up on XX/XX/22. From Penfed fraud department, with XXXX on the line yelling at me, and would not listen to my situation at all ad kept threatening me and yelling about Scam. He locked my accounts and said he was going to call the account holders to verify stolen funds. I told him to verify. When I woke up later I remembered everything and called Bank. The never called anyone and told me to send prove. After calling to know how I sent prove tight away. Then I kept calling to unlock my account and they told me that fraud department went home. And my account is still locked for no reason. So I called some more and now I'm being told my account will be locked for 30 days. Why? I sent prove. Is it because thier discriminate that I'm helping my girlfriend? Or maybe because I'm a XXXX XXXX. My account is still locked and Penfed has done nothing but treat me horrible causing severe panic and XXXX episode. They ignored me completely. And my account is still locked.

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 2022-08-18
Company: EQUIFAX, INC.
State: GA
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:
15 U.S.C. 1681 Section 602A 15 U.S.C. 1681 Section 604A XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance XXXX XX/XX/XXXX, XXXX {$380.00} Original balance- {$380.00} Account info-Account number XXXX Date opened-May XXXX, XXXX Account type-Collection Status-assigned to attorney, collection agency, or credit XXXX 's internal collection department XXXXXXXX XXXX XXXX  Original creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX {$1000.00} Account info-Account number XXXX Date opened-XXXX  XXXX, XXXX Account type-Collection Status assigned to attorney, collection agency, or credit XXXX 's internal collection department XXXXXXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX {$14000.00} Account XXXX Account XXXX Date opened-XXXX  XXXX, XXXX Account type-Collection Status assigned to attorney, collection agency, or credit XXXX 's internal collection department XXXXXXXX XXXX XXXX Balance on XX/XX/XXXX, XXXX {$420.00} Account info Account XXXX Account status-Closed Date opened-XXXX  XXXX, XXXX Account type-Credit Card XXXX Account XXXX Account XXXX Account status-Closed Date opened-XXXX  XXXX, XXXX Account type-Charge Card XXXX XXXX XXXX Balance on XX/XX/XXXX, XXXX {$650.00} Account info Account XXXX Account status-Closed Date opened-XXXX  XXXX, XXXX Account type-Credit Card XXXX XXXX Balance on XX/XX/XXXX, XXXX {$7500.00} Account info Account XXXX Account status-Open Date opened-XXXX XXXX, XXXX Account type-Credit Card XXXX XXXX Balance on XX/XX/XXXX XXXX XXXX {$400.00} Account info Account XXXX Account status-Open Date opened-XXXX  XXXX, XXXX Account type-Credit Card

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: CCS Financial Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
CCS Collections is a third party collection agency the is attempting to collect for XXXX XXXX company in the amount of : {$200.00} I have no knowledge of this debt and never received any notification from this agency in writing or otherwise regarding my rights to either dispute and or request to validate this debt, pursuant to the Fair Debt Collections Practices Act, the Fair Credit Billing Act or the Fair Credit Reporting Act 609. 

My rights as a consumer have been violated by this agency

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
The branch manager refused to answer my questions regarding harassing phone calls when my account is on a direct draft each month. When I asked for the anime of the representative who called multiple times, the manager refused to provide me the name and hung up on me three times when I attempted called back to speak to him. 

When I went to the branch and advised him that I thought it was inappropriate for him to hang up on me, he advised em he did not hang up on me but was done speaking with me. I asked further question about my account and when I advised him I would contact the consumer Financial Protection Bureau, he said I was threatening him and said he would call the police if I did not leave.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Social Finance, Inc.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have an account with XXXX XXXX and they will not return phone calls or close my account. I have called and written to request my account be closed and I can not get anyone to help. 

My account has been frozen without reason for over 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: EQUIFAX, INC.
State: TN
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:
In accordance with the Fair Credit Reporting act XXXX  : ** XXXX XXXX XXXX XXXX XXXX  XXXX *XXXX XXXX Account # XXXX ** XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 1006.34 Notice for validation of debts : States a debt collector must provide a consumer with the validation information required by 1006.34 ( c ) either by sending the consumer a validation notice in the manner required by 1006.42, or by providing the information orally in the debt collectors initial communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
In accordance with the Fair Credit Reporting act XXXX : ** XXXX XXXX XXXX XXXX  # XXXX ** XXXX Account # XXXX ** XXXX  Account # XXXX, has violated my rights. 

1 5 U.S.C  1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 1006.34 Notice for validation of debts : States a debt collector must provide a consumer with the validation information required by 1006.34 ( c ) either by sending the consumer a validation notice in the manner required by 1006.42, or by providing the information orally in the debt collectors initial communication.

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 2017-02-24
Company: Rosebud Economic Development Corporation
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
They are calling me and threatening to sue/arrest me, as well as telling me a sherrif will be at my job to serve arrest and serve suit paper work to me. They also are calling me late, after XXXX, and on weekends.

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 2018-03-21
Company: Experian Information Solutions 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:
The credit bureaus indicated that the results of their investigation was accuate, however I have a letter from XXXX XXXX that the credit bureaus were instructed to remove this account from all credit agencies. The letter is attached

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 2022-10-17
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Took a loan from deferred compensation company, XXXX and mobile deposited that check to US Bank in XXXX, Illinois on XX/XX/22. On XX/XX/22 the deposit still was not showing on my account, called above local branch bank and was instructed to come in and deposit it in person as it may have been too large to do as a mobile deposit. Did as instructed and on XX/XX/22 the bank revoked the transaction and removed the funds from my checking account. On XX/XX/22 they again debited my account for the same amount so it was a double debit. I received a letter and a copy of the check and the letter stated the bank was delaying availability of the funds because it had reason to believe the check may not be paid.I called and went in to the bank and was to again attempt to deposit the copy of the check on XX/XX/22, which I did. On XX/XX/22 the bank again debited that money from my account and I was told that I needed to contact XXXX as the bank had returned the check to them. I contacted XXXX on or about XXXX and was told that they were seeing the check as having been cashed and could not do anything else. Over the course of these last weeks I have called or gone into the local bank, spoken to the branch manager, called the banks XXXX hotline, called XXXX and XXXXXXXX XXXX as they issued the check, multiple times, and all of these efforts have led me nowhere as they each say it is not their issue. I have not received this money and today the first repayment for the loan was debited from my checking account. If you cant assist me do you have any other contacts you could suggest for me? Thank you

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 2017-02-17
Company: HCFS Healthcare Financial Services of TeamHealth
State: OR
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a phone call from XXXX stating they are attempting to collect a debt. They told me I have over {$10000.00} due to XXXX which was from an incident over 5 years ago that I had been told was resolved. The woman on the phone argued that I should check my credit report & then hung up on me. What I can I do to help get these people off my back? I live with chronic illness & the stress from their calls really gets to me & affects my health.

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 2022-10-02
Company: EQUIFAX, INC.
State: GA
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:
In accordance with the Fair Credit act XXXX XXXX XXXX, XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Hi there, for the past 8 months I have tried to have a fraudulent account removed from my credit. The collection company is called Rash Curtis. Originally I have XXXX accounts on my credit from this company. I disputed the accounts and they were removed then all of a sudden a new account from the company was placed on my credit with a new account number and the account was said to have been in collection since XX/XX/XXXX even though it appeared on my credit in XX/XX/XXXX!!! 
I have tried to contact the company 5 times by mail but my dispute remain unanswered but they apparently answer the credit bureau and have requested that the debt stay on my credit!!! 

Rash Curtis & Associates XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: Diversified Consultants, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Diversified has re-age an old account on my credit reports. This is really affect my credit. This show be againist the law and government should n't let this happen to affect us citizens

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the FCRA Sections 605B which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The account listed below is still reporting on my Credit Reports and needs to delete immediately : XXXX BANK XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: EQUIFAX, 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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax credit bureau to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and delete : DEPT OF ED/XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX  XXXX Balance : {$0.00} Date Opened XXXX XX/XX/XXXX, DEPT OF ED/XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX OF ED/XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX  XXXX Balance : {$0.00} Date Opened XXXX XX/XX/XXXX, DEPT OF ED/XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX 2012

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: Southwest Recovery Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a call from a debt collector about a debt that is not mine ; I told the person the debt is not mine. I have medical insurance so I don't owe any past due medical debt. they put the debt on my credit, XXXX, and I disputed and it was removed, but then the company put it on my XXXX   report ; I disputed and XXXX said the debt is validated. I asked for some sort of documents to see the debt and received nothing but a statement on my credit saying its being reported fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the FCRA Sections 605B which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX BANK XXXX, XXXX CARD 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 non-monetary relief