BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-18
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
BMO Harris advertises that " Open a BMO Harris checking account ( BMO Harris Select Checking and BMO Harris Portfolio Checking ) and receive a bonus of {$200.00} when you set up a qualifying recurring direct deposit of at least {$300.00}. '' I have completed the requirement many months ago and they have refused to pay the bonus. The reason was " Your account had only XXXX direct deposit of a Social Security payment ; it was not recurring. All other credits to your account were internet transfers from XXXX. '' I apologize for having thought that recurring deposits from my military account would qualify. I kindly ask if you could please honor the bonus as a one time courtesy. 

Thank you so much,

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 2022-10-28
Company: Experian Information Solutions Inc.
State: FL
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against 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 non-monetary relief
Consumer complaint received 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Transunion is not allowing me to lift the freeze on my credit reporting. They asked for a security pin they claim was emailed which I did not receive. Will not even entertain my phone calls because they claim they need to get the security pin they sent that I never received.

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 2022-10-28
Company: Experian Information Solutions Inc.
State: HI
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:
Since XX/XX/2022 Ive been disputing with XXXX, Experian and XXXX via credit repair services! But to no avail nothing never has happened to my satisfaction!

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 2022-10-28
Company: EQUIFAX, INC.
State: FL
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: Opportunity Financial, LLC
State: VA
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
I am seeking relief from a cah advance loan Opp loans phone number Opportunity Financial LLC in XXXX the interest rate is 160 % I am trying to work out a reasonable settlement but they will not work with me the website is www.opploan.com I donot have the money to pay them back my entir pay is going towards vash advances

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-10-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WY
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/XXXX I had fraud charges ( 61 of the same item at {$390.00} - some of these charges were over the limit - so not charged ) for a total of {$21000.00}. Within an hour i had called the credit card company and reported the fraud. I also pointed out that the company/vendor XXXX ( XXXX ) looked like it was fraudulent. 
In XXXX the fraudulent company sent me an envelope with a blank sheet of paper. They used this shipping envelope shipping # to claim they had sent me merchandise ( 23 items for about {$8200.00} ). The credit card company processed the charges without giving me an opportunity to dispute the charges. And i have been unable to get them to reopen the fraud claim. I have sent the the information from the police report i filed when i received the envelope. And mailed them a hard copy of the police 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 monetary relief
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2015-05-16
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Convergent Outsourcing, Inc. sent me a letter of " Attempt to collect a Debt ''. This company was asked by XXXX XXXX to collect an alleged debt for {$420.00}. I have already filed a complaint against XXXX at the FTC for the same alleged amount last week, explaining that XXXX received the equipment in full in emails for that effect. Convergent attempted to call me, by phone, and was as expected rude and insulting! They received the same courtesy they afforded me and more!. These parasites deserve that treatment, and more, as they are not in full knowledge of the facts of the case from XXXX. This is a feudal effort, by XXXX, to collect any amount as no matter how small it is, even a XXXX cent is too much for their inferior services throughout the XXXX years we have had them. XXXX continuously violated the terms of our agreement through lies and removal of channels as well as promises made by phone, even when we fulfilled the XXXX year contract with them. It is an out and out attempt of extortion ( the practice of obtaining something, especially money, through force or threats ) by Convergent and XXXX! 
I leave you with this for all to see ; It is by law, between XXXX parties, that a contract or agreement or commitment written or otherwise, is an obligation by the XXXX parties and not XXXX sided. In conclusion, this is a closed and shut case since XXXX XXXX, 2015 as it was admitted by XXXX in a communique, email, on that date. Convergent must not attempt to peruse this case further!.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: GOLDMAN SACHS BANK USA
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Dear CFPB, I'm writing to flag a troubling issue with an account I have at Goldman Sachs Marcus. On XX/XX/22, I made what I thought was a XXXX transfer to another money market account at XXXXXXXX XXXX I received an email confirmation at XXXX XXXX  that morning from Marcus that the transfer had been completed. Later that evening I received an email and phone call from Marcus instructing me to call them about my account. I did just that, and had a couple of puzzling conversations with their agents. From what little I could gather, my account had evidently been locked over some unspecified security concern. After visiting with their agents, I was assured that my account was unlocked and the transfer would go forward. I received another email confirmation at XXXX on XX/XX/22 that the transfer had indeed been completed. On the morning of XX/XX/22 I was horrified to discover that the transfer had not been made, and had indeed been reversed, creating untold nightmares. Panicked, I initiated a chat with yet another Goldman Sachs agent, who told me there was no transfer in progress. Long story short, despite one oral and two written confirmations of the transfer, it had never been made and Marcus had retained the funds. The chat agent yet again assured me in writing that my account is not locked, so I'm attempting yet again the transfer to XXXX. While I am 110 % in support of stringent security safeguards, these eyebrow-raising actions by GS Marcus might lead one to suspect they are using the fig leaf of 'security ' concerns as a pretextto slow-walk, delay, or in my case completely stop transfers to their competitors. Let the record reflect that I have always loved my Marcus account, and was one of their first customers. Not only that, I am a Goldman Sachs stockholder! My past good experience with Marcus and XXXX makes this misbehavior on their part all the more shocking. I ask CFPB to investigate the actions of Goldman Sachs Marcus and take appropriate steps to facilitate this transfer and prevent further harm to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: JPMORGAN CHASE & CO.
State: OR
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:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XXXX. XXXX, 2020, JPMCB - CARD SERVICE add a hard inquiry on my credit report. 
On XXXX XXXX, 2020, XXXX XXXX add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I HAVE SUBMITTED SEVERAL DISPUTES TO TRANSUNION REGARDING ACCOUNTS THAT ARE NOT MINE AND REQUESTING THAT THEY PROVIDE ME WITH PHYSICAL PROOF THAT THE ACCOUNTS BELONG TO ME AND THEY HAVE FAILED TO DO SO SEVERAL TIMES AND THEREFORE I AM INTENDING TO SUE TRANSUNION FOR VIOLATION OF THE FAIR CREDIT REPORTING ACT AND PROVIDING ME WITH PHYSICAL PROOF THE ACCOUNTS ON MY CREDIT REPORT BELONG TO ME. THIS IS MY LAST AND FINAL ATTEMPT BEFORE I SUE TRANSUNION.

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 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against 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 non-monetary relief
Consumer complaint received 2015-06-04
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I applied for a bank account with Chase and passed my credit check and got everything set up and 10 days later I get a letter from the fraud department saying my account had been closed due to unusual activity on my account! It gave me a XXXX number to call to resolve any outstanding issues. I called and no one could tell me why my account was closed just that The Executive Office had run an indepth check and something about a Chase or XXXX XXXX account in 2013. Also they told me they could close any account without reason they just did n't want to do business with me! Very rude. They told me to contact XXXX for a report and when the report came back there was nothing negative on the report that would stop me for getting a bank account. They had already submitted my direct deposit for my Social Security and due to them closing my account my check for XXXX is going to be late and it will result in my bills being paid late and affecting my credit score. No one told me they can deny you a checking account just because they can! But again the person that I talked to was very rude! This policy should be changed and everyone has the right to know why they were denied a checking account! Without being told that out of the blue we can deny you for any reason without telling you why!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I had XXXX credit card accounts with Chase banks for which the debt was forgiven and I was issued XXXX forms. Cancellation of debt. I then, when ahead and reported both accounts on my personal income taxes for XX/XX/XXXX and XX/XX/XXXX, and paid accordingly to the IRS. The account has been written off and taxes have been paid on the amount forgiven, Chase bank has been given the tax write off but they are still reporting a full balance for both account on my credit report. It should be reported a XXXX balance as the debt has been cancelled/forgiven, the have already taken the tax write off from the IRS and now they still want me to pay in order to report a XXXX balance to the credit bureaus. This would be double dipping for Chase bank, getting the tax write off and then still collecting the cancelled amount on both accounts. Partial account numbers are : XXXX and XXXX, full account numbers are reflected in the attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2015-12-16
Company: Tower Loan of Mississippi, Inc.
State: MS
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I received my check back from Tower Loan that was not cashed they advised that I was not able to send any checks as payment to my account after i had a few problems with my online banking in which my bank was sending checks out before my paycheck was in my account. Anytime this happened the check was paid. I was then informed that they take debit cards. After the incident they never advised that I would not have access to my account online and canceled the option without notice. Therefore I was not able to pay by debit card nor credit card which created my account to be even later than usual because of this. I was never given any notice that they were doing this and not given notice.well I tried to pay my account by debit card or credit card and even tried calling over the phone even their employees were not aware that this was not an option and kept telling me to pay by debit card or credit card Because of this it has caused my account to be late and created financial hardship in driving to their business on XXXX XXXX, 2015 they refused to take a debit card payment but when i called them they advised that I can pay by debit card when arriving it was discovered that they would not accept my debit card and that I would have to pay cash or money order. Tower loan constantly calls me when payment is due and is ignoring the laws of collecting a bill by constantly calling after they have advised that the bill is due in one week I have received more than 15 calls from Tower loan

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been a victim of Identity Theft, and I am trying to dispute inaccurate items on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-28
Company: EQUIFAX, INC.
State: MO
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: CAVALRY INVESTMENTS, LLC
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Cavalry Portfolio " purchased '' a debt from XXXX, a debt that I did not owe. They have been claiming a {$570.00} balance for 5 years and have a false negative mark on my credit reports. XXXX will not list this as it is fraudulent, however, it still appears on XXXX and XXXX. I dispute and they keep claiming that nothing is wrong. They need to be off my credit report!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-27
Company: JPMORGAN CHASE & CO.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I am requesting a new home to be replaced by JP Morgan Chase Bank!! My property was XXXX XXXX XXXX, XXXX, New Jersey and I was wrongfully foreclosed upon by Washinton Mutual, JP Morgan Chase Bank! XXXX XXXX is a female veteran who served her country and I am waiting for full restitution and a mortgage free home immediately! I applied to XXXX XXXX XXXX loans and they in bad faith did not give me the second mortgage I needed to keep my home. I am seeking monetray damages for the emotional distress that this placed me under. Washington Mutual failed to modify my loan as well, when I requested a loan modification!

Company response to consumer: Closed with explanation