BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-01
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 I mobile deposited a check in the amount of {$6400.00} addressed to my XXXX as I am XXXX XXXX XXXX XXXX XXXX XXXX  I previously had a business checking account with Chase and was unaware it was closed due to inactivity so the check went to my personal account. Once the check was deposited I received an alert that hold was placed on the check due to the payee name and was advised if the issuer confirmed the check could be paid to me as well the funds would be released into my account. The fraud specialist found the phone number of the issuer on their website and contacted the accounting department to verify the check can be paid to me as well. The account department confirmed it can be paid to me and my business. The fraud specialist stated a note would be sent to back office team and the restriction would be lifted same day within XXXX minutes. I attempted to use my account the next day and the restriction was still on the account. I called Chase fraud department again and they said back office would not remove it because the phone number was not verified in their system. They asked for another verified phone number and I gave them my clients corporate phone number to verify the check and they advised that was not a good number as well. I was advised to go into a branch and show proof that this is my business in order for the restriction to be lifted. On XX/XX/2023 I went into the branch and the branch manager verified my business from Secretary of State and verified my XXXX name that was on the check. I was told to reopen a new business account in order for the restriction to be lifted. I opened the new business account. On XX/XX/2023 I called and was told the restriction still will not be lifted because Chase still has to verify the check with issuer through a verifiable phone number not on google or the client website even after I went into the branch and provided all documentation. I advised these were the only phone numbers my client provided me with and this is my business and that a previous specialist has already verified with accounting. My client advised me that the check cleared their account on XX/XX/2023 which means Chase has been holding my funds for more than 14 days with no explanation and no sense of urgency to release my funds. I have provided all documents and phone numbers and this issue is still not resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-21
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
this is a follow up to a previous complaint ( CFPB ref # XXXX ) sent on XX/XX/XXXX against US bank for failure to replace the 2 x {$500.00} compromised visa prepaid cards purchased from XXXX on XX/XX/XXXX. 

US bank responded saying they tried to contact me but couldnt reach me to request the information pertaining to the purchase and the gift card details. This case was then closed although they have not done anything to refund to replace the card to date.. 

I sent the requested information to US Bank on XX/XX/XXXX and have been following up several times for the replacement cards but they have no updates to provide other than a case has been opened. Its been already 1 month and still there is zero information on when my cards will be replaced. 

i really hope CFPB can help get my money back or the cards replaced. 

thanks!

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 2022-09-26
Company: CrossCountry Mortgage LLC
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a XXXX veteran with a loan in the state of IL In XX/XX/2021 I was dealing with extreme XXXX  problems due to XXXX XXXX XXXXXXXX and its effect on current medical issues. The company only offered me 2 months forbearance. The health issues ended up with me losing my job in XXXX. I requested again forbearance extension under the cares act. I was only offered a financial disclosure form for loan modification ( with the company making sure I knew it could affect my credit score, and ability to pay back my loan, and that the company may find I can't afford my loan anymore, not cares act forbearance ). Come XX/XX/XXXX I was still out of work because childcare was too expensive, however me and my wife were able to come up with the money. In the state of IL because of my XXXX I do not pay property taxes. On the XXXX I requested that the company provide me with a corrected number to become current with my loan ( again without forbearance ). The same day I gave the company {$4000.00} as a good faith payment so that the company would work with me while they fix the demanded taxes. 7 days later the company hired a lawyer to put me in foreclosure. It took until XX/XX/XXXX and getting a pro bono lawyer to get the corrected mortgage payments and reinstatement amount. The company didn't wait even 30 days ( you know for the document to go from them to their lawyer, to mine, and then to me ) of doing what I initially asked to serve me, thus more lawyer fees they want me to pay. I wake up every morning worried about money because of this, since XXXX. struggle to go to sleep at night because of this. The forbearance would have allowed to be financially stable during the pandemic. however, by XXXX I just wanted to pay off my missed payments. I wasn't trying to get them to honor the CARES act anymore. Nothing that has happened to me is in good faith. I am the only one in this situation acting in good faith. I had to explain to their lawyer how IL law worked. ATTACHED is the email that I got stating they had recieved my proof of tax exemption before hiring a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
Transunion is charging me $ XXXX for some service that I never knowingly agreed to.

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 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-12-02
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I opened this checking account with bank of the west. And to make this account free from monthly service fees, there are requirements which are paperless statement s and one ACH transfer every month. I have been doing this at least the past 12 months. Now after BMO taking over Bank of The West, without proper notification, my checking starts having a monthly service fees of {$10.00} per month. And I called the customer service in early XXXX XXXX, and I asked them how to waive a monthly service fees. They said I need to maintain with at least {$1500.00} in daily balance, which I transfer the fund on the same day to meet the minimum balance so I dont have to pay monthly service fees. Today, XXXX XXXX ; my account was charged another monthly service fees of {$10.00}. Either the bank employee lying to me or they were not well trained on how the account works. They also didnt send me the schedule term fees and disclosure. Please refund my fees and someone who understands how this checking account works, call me and explain. This is totally not fair and misdeception by bank employees.

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 2023-11-30
Company: Bridgecrest Acceptance Corporation
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Subject : Dispute of Closed Account Impacting Credit Score, I hope this letter finds you well. My name is XXXX XXXX, and I am writing to you in reference to my credit report, specifically regarding a closed account that is adversely affecting my credit score. 
Upon reviewing my credit report, I noticed that a closed account, XXXX, is still listed, and its presence is negatively impacting my credit score. The account in question has been closed for [ mention the duration it has been closed ], and I believe its continued appearance on my credit report is inaccurate and unjustly affecting my creditworthiness. 
As I am currently in the process of working towards securing a mortgage to purchase a home, it is crucial for me to address and resolve any discrepancies on my credit report promptly. The presence of this closed account is hindering my efforts to build a positive credit history, which is essential for my home-buying goals. 
I kindly request a thorough investigation into the reporting of this closed account. If it is found that the reporting is inaccurate or incomplete, I request that you take the necessary steps to correct my credit report and remove this closed account from my record. 
I appreciate your prompt attention to this dispute and request that you provide me with updates on the progress of the investigation. Please feel free to contact me at XXXX XXXX XXXX or XXXX if you require any further information. 
Thank you for your assistance in resolving this matter promptly and helping me achieve my goal of homeownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Mutual Management Services LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The debt collector failed to send communication regarding the debt, introduction of who they are, what the debt is for, and my right to dispute. They just appeared on my credit report without notice. They must abide by the regulations and validate the debt. This has not been done. How did this debt collector, even have access to my credit report without the proper protocols and regulations?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: ND
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-20
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter of Collection from transworld system Inc XX/XX/22 amount {$930.00} I have never signed my Signature or was made Aware of any transaction with this company I have a I have a statement of the account showing a {$0.00} balance with my heath Insurance information attached He also violated my HIPAA right Showing procedures I was admitted for

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: HYUNDAI CAPITAL AMERICA
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
- Kia agreed that I never owed property taxes on this leased XXXX XXXX XXXX.

- As a result, Kia agreed that I should be reimbursed for the two years of property taxes I paid on the vehicle. 
- This meant that Kia owed me {$220.00} for one year and {$220.00} for the other year. 

- After a reasonable amount of time, I had not received the reimbursement. 
- About one month ago, I called Kia to inquire about the reimbursement. 
- Kia said the checks had been mailed in late XX/XX/XXXX. 
- I informed Kia that, as of XX/XX/XXXX, I had not received the checks. 
- Kia said they would re-send the two checks. 
- I confirmed that Kia has my correct mailing address. 
- My mailing address has not changed since XX/XX/XXXX. 

- As of XXXX, I still have not received the two checks.

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 2023-08-28
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX  XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX, I signed up for the XXXX XXXX XXXX XXXX XXXX  online at XXXX XXXX XXXX 

On the website, it clearly states that if I spent {$500.00}, I would get {$75.00} statement credit and this could be repeated 3 times, e.g. I would get {$220.00} statement credit if I spent {$1500.00}. 

On the web archive version of the site XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you can clearly see that the promotion period is from XX/XX/XXXX - XX/XX/XXXX and they have since extended it to XX/XX/XXXX. 

I have since spent over {$1500.00} on the credit card and haven't received any statement credit. I reached out to the support via secured message online and was told I need to call XXXX. I called the phone number and was told they don't know anything about the promotion and was asked to call Sears at XXXX or XXXX. I called Sears and was told they can't do the statement credit and I have to call the credit card company back. Basically I am getting a run around and no one knows how to give me the statement credit. 

In fact, I learned about this promotion on the deals website " Doctor of Credit ''. As you looked through the comment section, you will see that I am not the only customer who are short-changed of the {$220.00} promotions. Several other individuals also complained they didn't received the promotion. Please see the link below : XXXX XXXX XXXXXXXX I would appreciate if someone from your team can help me resolve this issue. The only reason I applied for this card initially was to get the promotion and now I feel like I am being scammed into something I don't want. Thank you for your help!

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 2023-08-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2, also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCs 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation