BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a court order account that I submitted the paperwork from the judge to release the hold. Im being ignored and transferred from department to department. Its been over a week and my account it still unblocked. I been told that we dont have these accounts often so they dont know what to do and I need to wait. No details on what Im waiting for and how long.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XXXX/XXXX/XXXX, I faxed, mailed and emailed a letter to Wells Fargo stating that XXXX XXXX XXXX no longer has my permission to  take automatic debit payments from my bank account. I notified XXXX XXXX XXXX as well. On XXXX/XXXX/XXXX, I received a letter from Wells Fargo advising me that a stop payment was placed on my account. On XXXX/XXXX/XXXX, an electronic payment was sent to XXXX XXXX XXXX. I contacted Wells Fargo and was advised my a customer service representative that the company ID matched the stop payment and that I would be credited the full amount the following moring. I asked them to close my account and open a new account to prevent any future problems. The representative helped me open the new account via phone but failed to close my original account. The representative also took it upon himself to file a claim on my behalf regarding the unauthorized payment to XXXX XXXX XXXX. I was told that this claim was denied due to the dates that I provided on the claim. I did n't give any dates what so ever as I was not even aware that a claim had been filed. To date, the account still has not been closed despite my many requests to close it. Not only was I not reimbursed for the unauthorized payment to XXXX XXXX XXXX but a second unauthorized payment went through on XXXX/XXXX/XXXX. I was charged overdraft fees for both of these transactions as well as a couple of other transactions that went through due to the account not being closed. As of today, my account has a negative balance of {$200.00} due to these unauthorized charges and fees. If the account were closed as I originally requested on XXXX/XXXX/XXXX, it would have a balance of {$0.00}. I would appreciate if was reimbursed for the unauthorized payments and my account were closed as requested. I will no longer be banking through Wells Fargo.

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 2022-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I mailed a dispute letter to Transunion on XX/XX/2022 and to this day I have not received a reply or my investigation results or any acknowledgment that an investigation has begun not even on my credit reports. The consumer reporting agencies are not complying with their own policies in a timely manner. I demand the accounts in question be removed from my consumer report immediately.

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 2022-09-07
Company: EQUIFAX, INC.
State: MN
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 Bankruptcy Case Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXXXXXX Account Number : XXXX, XXXX Account Number : 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 Consent

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-04
Company: EQUIFAX, INC.
State: NC
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 XX/XX/XXXX, I opened a installment loan with XXXX XXXX XXXX in XXXX, Alabama. I fell behind in the monthly payments and the account was placed in a collection status. I paid the account off on XX/XX/XXXX via telephone. However, on XX/XX/XXXX, after reviewing my credit reports from the three reporting agencies, I noticed that there was inaccurate information reporting from XXXX XXXX XXXX. I contacted the corporate headquarters in XXXX, South Carolina via mail and requested that they update the accurate information to my credit report, showing a zero balance and paid status. I understand that the account was placed in charge off status, however the Compliance Manager ; XXXX XXXX wrote correspondence to me via mail that my request will not be granted and that the information reporting to the credit reporting agencies is accurate. I have a invoice ( paid ) attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I recently placed a fraud alert on my credit file that indicates anyone who runs my credit needs to call me. I have pulled my credit report and noticed that there are inquiries on my report that I did not authorize nor was I notified that my credit was being pulled and this action violates my consumer rights. I have reached out to all three  credit bureaus numerous times about this situation to notify them that my credit was pulled without my authorization. These inquiries are fraudulent inquiries and should be removed from my report. I have not received a proper response from neither of the credit bureaus from my disputes about this matter. Only a letter stating their " definition '' of an inquiry, but no factual evidence that these were a result of my actions or that i called before the credit was being accessed. Please remove these inquiries from all 3 of my reports. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: EQUIFAX, INC.
State: SC
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:
The following companies ran unauthorized credit inquiry on my credit report. Please remove asap as these are suspicious to me : XXXX XXXX DBA XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: Experian Information Solutions Inc.
State: FL
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:
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 im being takenadvantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a 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 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 non-monetary relief
Consumer complaint received 2017-06-21
Company: HCFS Healthcare Financial Services of TeamHealth
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I disputed the debt with the credit bureau wanting to have the debt verified but all I received was typed up letters. I have no contract with Account Resolution Services

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 2021-09-24
Company: EQUIFAX, INC.
State: NC
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:
EQUIFAX pulled my report without my written consent pursuant to 15 USC 1681b ( 2 ). When I did provide EQUIFAX with my written consent, they did not follow my instructions. I was given a hard time as well as severe damages to my consumer report. After going back and forth with EQUIFAX, for awhile, some inquiries and accounts were deleted. A deletion is admission. Inaccurate information shouldnt have been on my consumer report in the first place. I did not give my consent for any of it to be there. Thats a violation. I am seeking monetary relief Pursuant to 15 USC 1681n. ( a ) Any person who willfully fails to comply with any requirements imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. I am attaching an invoice to be compensated for the violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: M&T BANK CORPORATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
M & T Bank purchased People 's United Bank and when the transition happened my accounts were not accessible. Called customer service, waited on hold for 42 minutes and was told they needed to transfer me to digital support. Waited on hold with digital support for 2 hours and 56 minutes. The person who answered was unable to see my information and asked me to hang up and call back so the information appeared for them, but never gave me a number to call before disconnecting me. Now the process starts again. 
This is criminal in my book, as they have my money, which I have no access to and they either did not plan this conversion correctly or severely understaffed their support. 
Called back and now on hold for over 1 hour with no one to help 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 2017-06-21
Company: Waypoint Resource Group, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Company made 4 calls to my cell phone without leaving a message. When I called them back, the debt collector that answered talked over me as I told him that he now needed to send me a dunning letter as required by the FDCPA. He refused to do so claiming that he needed my personal information first.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: GOLDMAN SACHS BANK USA
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My brother recently passed away without a will. In order to be named as administrator by the surrogate court, I am required to provide a current statement from the bank.   XXXX  I spoke to GS Bank, provided all paperwork requested, and the bank has completely stonewalled me. Although the paper is only a paragraph, they have stated they can not help me without their legal department reviewing this and they will not give me a date when this will be completed.   XXXX  It has now be en 4 weeks,  I have called repeatedly, and I get the same response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
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:
The XXXX XXXX with account number XXXX appears to be a charge-off account with a specific balance of {$510.00}. The information itself is already an error because a charge-off account should have NO balance. Another thing is that the account was reported twice in one of the Bureaus. As per FCRA, the bureaus and the furnisher are to provide 100 % accuracy and they are required to give responses and supply documents to confirm the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
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: Was not notified of investigation status or results

Complaint:
On XXXX, I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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: Overcharged for something you did purchase with the card

Complaint:
I recently purchased one nights stay at the XXXX XXXX in XXXX VA. I made the purchase through my XXXX XXXX rewards member portal with my Capital One credit card. The amount that I paid was the rewards member rate which came to {$94.00} night and {$100.00} after taxes and fees. When we checked in I was told to run my card for the original amount of {$100.00} and a separate charge of {$200.00} for incidentals. We were told that checkout was at XXXX, nothing more. The next morning at XXXX the manager is at my door stating that we will be charged for half a days stay because we are in the room past XXXX. My husband tells the manager that im not feeling well and was just finishing up in restroom. We vacate the room at XXXX, after taking a few moments of video of the room to avoid any further fees.We were told at the front the desk that they would be applying a half day charge but never given an amount, or a final receipt of the charges. I had no idea about the policy, so I called XXXX customer service immediately from the parking lot. I was told they would " submit a ticket '', but each location is independently owned and they would have to contact me. I was not contacted.I only became aware of the amount of this " fee '' after it was deducted from my incidental hold. The total came to {$120.00} for the half day fee. My credit card company will not honor my dispute stating that I do not have enough evidence to support a chargeback.This is my first charge dispute after having this card for 5+ years.In response to my chargeback, it was stated that I was charged for a half day stay for a " last minute stay '' for a " fully booked hotel. '' After the charge was reapplied to my credit card, I contacted the XXXX XXXX XXXX. When contacted by the XXXX, there was no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
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: Their investigation did not fix an error on your report

Complaint:
I previously sent my written request to Experian about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have XXXX get back to me with regards to the issue. Here are the items that concern me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-06-21
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have had a history of complaints regarding this organization ( Bayview Loan Servicing ). I am currently in court because I filed and OSC/TRO against them due to their illegal attempts to add escrow account to by cooperative loans, and change my monthly payments to include the escrows. If you take notice of previous complaints ( XXXX, XXXX, XXXX ) there is a pattern of this mortgage servicer not providing complete information. They drag out the process by making me re-request the same information and then do not answer the points of concern, or send incomplete or incorrect responses. A ) In the beginning of this year I demanded that they send me the name and contact information of the owner of the cooperative loans I have with them. One XX/XX/XXXX they provided me with just a bank name and address. They stated the bank that owned the loan ( s ) was XXXX XXXX XXXX. I contacted XXXX XXXX XXXX by certified mail and they re-directed me to Bayview. I then called the phone number on the XXXX XXXX and called XXXX XXXX ( research analyst XXXX XXXX ). She informed me that the information provided by BLS is incorrect and that XXXX is the master servicer. She went on to tell me that XXXX XXXX is in fact the owner trustee of the loan ( s ). She further informed me that she reached out to BLS to tell them that they provided incorrect information to me and that they needed to resolve this. To date I have not received the name, and contact information of the true owner of my loans. B ) Next BLS is depicting my accounts as escrow balance accounts when these accounts are not escrow accounts. C ) BLS is reporting incorrectly to CRA 's by balance of accounts, and was reporting late payments incorrectly. I owe less than {$1000.00} on one account and less than {$1300.00} on the other ( XXXX, and XXXX ). They both will be paid off by XX/XX/XXXX and XX/XX/XXXX respectively. They are reporting that I owe over XXXX per unit to the CRA 's. D ) BLS is not sending me my invoices per month for XXXX to date, and may be planning on not sending me my invoice for XXXX next without explanation. E ) They still have not provided me with proof positive ( source documents ( check, or otherwise ) ) depicting the payoff of XXXX in XX/XX/XXXX as previously requested. I sent BLS the below email to all the key persons and to their attorneys. My understanding is that they must respond within 10 days. It was sent on XX/XX/XXXX. It is now XX/XX/XXXX, and this request was initially made back in XX/XX/XXXX when they gave incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I never authorized any of these creditors to pull my credit report. I respectfully ask that all unauthorized inquiries be Deleted immediately from all three credit reporting bureaus upon investigating each unauthorized inquiry. 
XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-09-07
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chase Bank closed my account on or about XX/XX/2022 the reason they claimed was that i deposited 2 checks with a small amount that was a third party check and they requested that i should bring in the check maker and payee to the branch with identification up to 10 business days and i was not able to do that so they closed my account with all the money in it even checks written to myself and didnt want to release all of the the money which was about {$1800.00} i called them and not got any help after wasting hours on hours on the phone and going into the branches i spoke to a supervisor on XX/XX/2022 and she told me that the money was sent to the state but she can not give me any information to which department it was sent to and what date it was sent so i contacted the state comptroller 's office and they said that they did not receive any funds under my name so I am still waiting for my money to get back to me

Company response to consumer: Closed with non-monetary relief