BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-17
Company: JPMORGAN CHASE & CO.
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I went into a Chase branch on  X/XX/17    to open a checking and savings account because I kept receiving promotions for {$500.00} bonus for opening both and fulfilling various requirements including keeping a balance of {$15000.00} in the savings. After opening both, I logged in online and linked my external account which contained the $  XXXX . The transfer tool only allowed to transfer a max of $  XXXX  so I did and then initiated a second transfer of $  XXXX  in order to fulfill the promo requirement.  <P/> Later that day when I went to log in again, I received an error stating my account was locked and giving me a number to call. I called and spoke to a very rude woman in the Loss  Prevention d epartment who informed me that my accounts were closed, my transfers cancelled and my balance of {$25.00} would be mailed to me. I asked why and she informed me that I was not allowed to know and n o Chase  employee would ever tell me. Over a week later I received  two let ters in the mail indicating that my transfers were flagged as fraudulent.  <P/> If  Chase  had made even the slightest attempt to contact me, then I could have easily identified the transfers as legitimate ( and in fact required based o n Chase 's  own requirements  ). Instea d my accounts were forcibly closed less than  8 h ours after I opened them, despite having over 10 years of history as a  Chase cu stomer.  <P/> Now, I have been told I am banned for life from using any Chase banking accounts ( my Chase credit cards are unaffected ) and I have been denied the opportunity to earn the stated {$500.00} bonus ( for which I continue to receive offers fr om Chase ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 THE BANK XXXX XXXXXXXX XXXX XXXX  Account # 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 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 2022-09-10
Company: EQUIFAX, INC.
State: SC
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 sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$1800.00} ; XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$280.00} ; XXXX XXXXXXXX Balance : {$7800.00} ; XXXX XXXX Balance : {$680.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2900.00} ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX SC XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17
Company: WELLS FARGO & COMPANY
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I use an app called   XXXX   XXXX   it helps me with finances since I live paycheck to paycheck , Wells Fargo is EXTREMLY slow when sending information over and it 's really putting me In a hole when I need money available. I like banking with Wells Fargo but thes e wait times are killing me.

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 2021-10-27
Company: EQUIFAX, INC.
State: IL
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:
Unauthorized use of my credit report. Reporting incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17
Company: RoundPoint Mortgage Servicing LLC
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Round Point Mortgage Servicing Company sent a certified letter dated XX/XX/XXXX. In the letter, they allege that there was only one VA inspection in regard to the property located at XXXX XXXX XXXX XXXX, TN XXXX. I have done everything they have asked me to do in regard to the Deed in Lieu of Foreclosure and they apologize, for what my attorney and I will call, gross negligence on their part. <P/>Back to thisXX/XX/XXXX letter : RoundPoint states that there was only one VA inspection, which took place on XX/XX/XXXX and failed because the property was not in broom swept condition. This part is true. <P/>Moreover, I called and left a voicemail with XXXX XXXX XXXX at Round Point, who is or was my customer care advocate. His direct line is XXXX. This call was placed on XX/XX/XXXX at XXXX Central Time. My message was for him to get back with me regarding the second VA inspection which passed and that my attorney stated that RoundPoint should have never transferred the loan and/or property to XXXX XXXX. He never returned my call. <P/>In any event, we have documentation showing that a second and subsequent VA inspection took place and passed. My attorney has told me that because the second inspection passed. RoundPoint also confirmed this when the customer care advocate at the time called us on speaker phone. Round Point should have never transferred the loan or property to XXXX XXXX XXXX C/O XXXX XXXX XXXX. This transfer took effect XXXX XXXX, XXXX. <P/>The final issue, Round Point stated in the letter mentioned herein, that they transferred the Deed in Lieu documents via XXXX to the new servicer, XXXX XXXX, and that they are to submit the documents for recording, in addition to ordering a new VA appraisal. <P/>I 've called XXXX XXXX and I have spoken with XXXX, my customer care advocate, whether they have received the Deed in Lieu of Foreclosure documents from Round Point. She has stated that they have not received anything from Round Point at all. She does have on file that I was issued a XXXX " Cancellation of Debt '' for the entire loan for the property, also mentioned herein. XXXX also stated that they have not ordered a new VA appraisal. Why has n't this been done? You 've had the documents since XX/XX/XXXX. It is now well over a month later.

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 2017-06-17
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:
Someone has been opening credit cards in my name.  XXXX  company,  XXXX    XXXX    also known as  XXXX  even settled with me over allowing someone to fraudulently open accounts in my name. I have sent that settlement paperwork and police reports to Equifax, yet they refuse to remove the   XXXX   account. Additionally,  XXXX  authorized the removal of this account and they refuse to comply. Furthermore, additional account such as  XXXX  and  XXXX  have been opened in my name and they refuse to repsond to the submitted police report by removing the accounts. Finally, in the last  two  years I have n't authorized anyone to check my credit c=and they are constantly reporting people checking my credit even though my file contains an extended fraud alert.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: CITIBANK, N.A.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
The following Citi Checking Account ending in : XXXX is a fraudulent checking account and debt of {$750.00}. I never applied for the checking account, and the checking account and debt is fraudulent and dont belong to me.

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 2021-04-22
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I called XXXX XXXX, in an effort to retrieve my PIN code in XX/XX/2020. After the conversation, my credit card was closed, without my consent. 
I called them, and asked why it was closed. I was told that I closed it, which I had not. 
I asked for the closed account to be opened, which it was. 5 months later, it is still showing as closed on all 3 credit bureaus. 
I called again, to ask why it is still showing as closed. 
I was told I have to send XXXX XXXX a copy of my full credit report, for them to believe it is currently showing as closed. 

I would like to know, who gave authorization for my account to close. 
It also seems highly unethical for a company to ask for my full 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 2021-10-27
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Good afternoon, I am forced to file a complaint against SunTrust /Truist ; XXXX XXXX because I was denied removal of the PMI from my mortgage. Once I realized my payoff had dropped below 78 % of the original loan amount and that the PMI had not been automatically removed. I currently stand at 76.6 % of the original loan. 
On XX/XX/2021 I sent a fax to the SunTrust 's PMI department concerning this issue. 
On XX/XX/2021 I contacted SunTrust by phone and spoke with a representative. I was informed that the request to have my PMI had been denied and that I was sent a letter concerning same. I informed the rep at that time that I had not received a response and I requested that she email the letter to me ; which she did. 
According to the date of the letter, SunTrust responded on XX/XX/XXXX with a denial letter. 
The reason I was given as to why my claim was denied was " because they had no way of discovering the value of my property ''. However the denial letter suggest that i purchase a BPO which was not a guarantee that my PMI would be removed. 
It was revealed that SunTrust representative, XXXX XXXX, was responsible for denying the PMI removal request. My request to speak with Ms. XXXX was met with " There is no way for you to contact her ". This culminates into what we are corresponding about today. My only recourse was to file this complaint in hopes that your office could compel them to adhere to Federal Law. 

Thank you for your time and attention. 

XXXX 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 2021-05-11
Company: Consumer Adjustment Company Incorporated
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: Account information incorrect

Complaint:
I have a collections account that shows as derogatory on my credit that I discovered when applying for housing. The collections agency is " CONSUMER ADJUSTMENT CO '' for and they are reporting that it was was opened XX/XX/21 and reported on XX/XX/21. I never was billed from the original debt holder nor have I received anything from the Consumer Adjustment Co. It says it is a medical bill and I have had continuous health insurance for years. Sometimes I have had two separate insurance policies so it is highly suspect that I could have any medical bills outstanding. I have sent Consumer Adjustment Co a request to validate that the debt is in fact mine but there has been no response or any change in the reporting. I was clear that I was disputing the collection so this is clearly a violation of FCRA Section 623. The fact that the debt was never validated and yet they reported it is a violation of FDCPA Section 809 ( b ) FTC opinion letter XXXX from XXXX. This seems like some unscrupulous practices to collect a medical bill that I do not believe I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
CEASE AND DESIST I am writing to inform Truist Bank that I am making every effort to pay my mortgage. It is a simple interest loan and there is no prepayment penalty. 

Per my statement dated XX/XX/XXXX, my account balance was {$110000.00}. I submitted a payment on XX/XX/XXXX for {$110000.00} in XXXX separate payments of {$99000.00} and {$12000.00}. I purposefully paid this amount because I did not know when this would be credited to my account and I am aware that mortgages are paid in arrears. Meaning : I would owe additional money for the interest accrued until the payment was received. This would have been paid upon Truist receiving my XXXX or XXXX payment of {$850.00} depending on how this was credited to my account. They would then refund the difference. It is simple math. 

The calculation for interest owed was {$110000.00} x XXXX = {$15.00} per day. As an example, if I paid the balance on XX/XX/XXXX, 18 days of interest is equivalent to {$270.00}. Since my payment on XX/XX/XXXX was {$54.00} higher than the balance owed. This number should be subtracted from the interest due for a balance of {$220.00} ( plus interest until paid in full ). 

On XX/XX/XXXX, I returned Truist 's check of {$99000.00} to my branch on XXXX XXXX, XXXX SC. It was directed to my mortgage at this location. 

I will not pay anything additional to my mortgage except the interest due after the original {$99000.00} payment received date of XX/XX/XXXX. I have made every effort to pay Truist Bank {$99000.00} and you have willingly returned my payments. If the XX/XX/XXXX payment to my mortgage through the branch is refused, I will deposit these funds with XXXX XXXX XXXX  and I expect a loan satisfaction letter from Truist Bank. 

Finally, I will not pay a recording fee for {$10.00} as this was never disclosed during my loan application. 

This is final effort for your understanding

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 2021-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 contacted the Transunion Credit Bureau by mail about incorrect information being contained in my credit report after having already contacted the creditors to have the information removed and never hearing back from them in over a month. I recently called to check on the status of removing the incorrect items from my report and they communicated they would not remove the items even though they may be incorrect. They have not tried to verify the information on my report and will not contact the creditors on my behalf to have the information removed.

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 2022-03-01
Company: EQUIFAX, INC.
State: GA
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:
On XXXX XXXX, reported to the three major credit bureaus, i.e. Equifax, XXXX and XXXX, that I have paid my debt in full and consequently have a balance of {$0.00} Unfortunately the three credit bureaus have not honored their obligation commensurate with their exalted position, i.e. to promptly update my consumer credit report. 

This is adversely impacting my credit score as it misrepresents my credit utilization which is a major factor of the credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17
Company: TRANSWORLD SYSTEMS INC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Received notification on my credit report fro m TransWorld Inc stating a  owed a debt but they apparently mailed it to the wrong address because thats what the hospital had ( the original creditor ) I have perfect credit and explained to remove the debt and continued to be extremely rude and stated it was owed, I said I would contact the BBB which I did and the hospital agreed to remove it, and still nothing, it does n't belong on my credit report, I have receipts showing it was paid prior to placing it on my credit report, which I have now submitted to the credit report agencies. Still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, at XXXX XXXX a person contacted me on XXXX regarding tickets to an event I was hoping to attend. They asked me to pay first, to which they would send me tickets via XXXX. Being desperate, I pay the money to their XXXX, which doesn't go through at first. So instead, I send the money again but this time through Paypal. I was desperate, so I didn't notice the different names on the XXXX accounts. I sent the payment at XXXXXXXX XXXX  and it wasn't until I received an email from a fake account that was not XXXX that I understood that it was a scam, where it was around XXXX XXXX. At around XXXX XXXX, I file a claim for unauthorized activity, saying I didn't know who the person was as an attempt to get a refund, which was denied on XX/XX/XXXX at XXXXXXXX XXXX. The file attached is the email I received after I sent my payment. ( see the name of who sent the email, the email address itself, and additionally all of the hyperlinks were just gray text with no actual link. )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 was a victim of identity theft and I request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any accounts not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ACCOUNTS. 
XXXXXXXX XXXX  XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$55.00} ; US DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX {$89000.00} ; XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.

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 2017-06-17
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I use   XXXX   to get extra cash but chase bank does n't show a report of my transactions on time and it 's causing me overdraft

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: Jon Barry and Associates, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: EQUIFAX, INC.
State: GA
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 was a victim of identity theft and I request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any accounts not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ACCOUNTS. 
XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$55.00} ; US DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX {$89000.00} ; XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}.

Company response to consumer: Closed with explanation