BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-27
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Case Number : XXXX My name is XXXX XXXX, I am a Webster Bank customer and someone created a cash app account and used my Webster Bank card to send payments to different people totalling more than {$3000.00} thereby making me to be at lost. 

I have repeatedly told my bank that I was scammed and I need my money back, but my bank issued me credit and refused me to make use of it untill after investigation. 

After few days, I got a letter from my bank that they have taken the funds back. My bank has closed my account because of this. 

I need my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Incorrect information on my 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 non-monetary relief
Consumer complaint received 2022-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
There was an unrecognized hard inquiry put under my name on XX/XX/XXXX by Bank of America. I called Bank of America on XX/XX/XXXX and they committed to perform a credit scanning which will take 90 days. This is already a violation according to the Fair Credit Reporting Act - " the bureau ( s ) have 30 days to respond to your dispute and remedy the mistake if they verify that an unauthorized inquiry is, in fact, a mistake ''. And on XXXX when I called the fraud department number that they left to me ( XXXX ), the agent said there was never such scanning requested. I spent almost two hours with customer service and was transferred back & forth for a few times until I got someone answered the phone from fraud protection department. They admitted it was their fault and said they would contact XXXX to remove the hard inquiry from my credit report, which would take another 90 days. This bank has already lost my trust and 90 days for a non-trackable process is not tolerable, I am requesting them to expedite the process and give me reference id to track the progress, it definitely requires more transparency and needs a guarantee of correction of their fault.

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 2022-09-28
Company: FC HoldCo LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Requested SCRA benifits on XXXX XXXX from Flagship Credit Acceptance for and auto loan that I had through the company from XXXX to XXXX @ roughly a 19 % interest rate. I have been XXXX XXXX since XX/XX/XXXX and currently still XXXX. Request was submitted for the Key provision State of XXXX  which is my home of record and still is my legal residency. No updates on account outside of " still under review '' for 90 days with no correspondance. More than the minimum required documentation was submitted to the company on two occasions.

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 2022-12-12
Company: Tower Loan of Mississippi, Inc.
State: LA
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:
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Sectuon 2 States a consumer reporting agency can furnish a account without my written instruction.

15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA, XXXX Date:XX/XX/XXXX To Whom it may concern, I recently challenged the validity of all inaccurate account thats being reported on my most recent credit report. Upon challenging this, XXXX you did not deleted the accounts based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging these account with your company you have verified these same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, I am requesting the information you used to verify these account in writing. Including Original contract with my original signature, creditors information and original address, payment history of accounts and proof of ownership of all debt. If such documents can not be produced DELETE this account from my credit report immediately. If not I will be taking further actions!. 

I am attaching my ID Best Regards,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA, XXXX XXXX To Whom it may concern, I recently challenged the validity of all inaccurate account thats being reported on my most recent credit report. Upon challenging this, XXXX you did not deleted the accounts based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging these account with your company you have verified these same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, I am requesting the information you used to verify these account in writing. Including Original contract with my original signature, creditors information and original address, payment history of accounts and proof of ownership of all debt. If such documents can not be produced DELETE this account from my credit report immediately. If not I will be taking further actions!. 

I am attaching my ID Best Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: DISCOVER BANK
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
XX/XX/26 I opened a Savings Account with Discover over the phone. When opening the account I was asked how I was going to fund it and I mentioned from a different account, the banker mentioned she will be able to assist me with the transfer at the end. At the end of the call the banker let me know she was unable to help me and I had to call my other banking institution to walk me through the transfer process. In order to get this special of {$150.00} when depositing {$15000.00} you have to deposit it within 30 days BUT THIS IS NOT POSSIBLE. I was able to deposit {$10000.00} via bank transfer BUT they will not accept a bank transfer, a CASHIERS CHECK or a personal check for the remaining amount so I am not able to get to a {$15000.00} balance. I have wrote to the company and they mentioned the only option is a wire, which if they told me prior they would've been fine but I already closed that account so this is not an acceptable solution. Thankfully my other banking institution allowed me to instantly deposit my cashiers check via mobile deposit so I am not stuck walking around with an {$11000.00} check. 
What annoys me the most is i wrote a check from my personal checking and they even deny that check... They state this is for fraud prevention but I have {$10000.00} in the account so I should be able to deposit my {$5000.00} check because I have plenty of cash to cover it. 
Ridiculous circumstance. 
When calling they also mention a XXXX minute wait that turns into XXXX minutes and getting hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone open a JPMCB credit card without my permission. Account # XXXX I disputed the account with XXXX, XXXX and XXXX credit bureaus, I also contact JPMCB I spoke a XXXX XXXX employee # XXXX in collection department. She stated the that the Identity Theft that was file XXXX was not valid do to I didn't submit a police report with the dispute. I dispute it once again on XX/XX/XXXX the credit bureaus they said they contacted the creditor and also send all the information over to them. Which included, A Identity Theft Report, a Police Report I also Fax the information to Chase Card Services fax # XXXX XXXX per XXXX XXXX employee XXXX XXXX in JPMCB collection department.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Freedom Mortgage Company
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
For the past year Ive been experiencing issues with freedom mortgage and the tax office. Both companies have me down for living in XXXX different township which I only live in XXXX. Ive been paying taxes for XXXX and XXXX townships and now my escrow account is over drawn and they are expecting me to pay XXXX dollars for the months of XXXX and XXXX cumulative. This matter needs to be resolved soon. I dont want to lose my house due to both companies negligence. I have been calling to check up on this matter for months and nothing has been resolved yet. I really need some help in this matter 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 explanation
Consumer complaint received 2022-12-12
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
BMO Harris Advertised that if you open a Business Account and maintain a balance of {$10000.00} dollars for 90 days they would pay you a promotional fee of {$500.00} dollars. The Bank is now trying to renege on that Ad by saying they will look at it in XX/XX/2023 which is well beyond the 90 days advertised. To me this is Misleading and Deceptive. Here is the Ad : Open any BMO business checking account, have at least 10 electronic transactions post to the account within 90 days of opening and receive : {$500.00} cash bonus When you maintain a balance of {$10000.00} or more for 90 days

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 2022-08-01
Company: Celsius US Holding LLC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have been XXXX holder since 1 year. 
The CEO, XXXX XXXX said XXXX is safe and secure, safer than the bank!!! 

I put my crypto money on my XXXX account, XXXX XXXX $ Now its impossible to withdraw my crypto money from XXXX, XXXX has stolen my crypto. 

I want my crypto back. 

I am from XXXX, its a bad image of the US, if there is no solution to give back the money to the XXXX users. 

I have chosen celsius because its hold in the US, Iwill not choose it if it was in XXXX. 

Thank you to do the best,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: Alliance One, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On Monday XX/XX/XXXX, I contacted Alliance One by phone in regards to an account that was issued to them from XXXX XXXX Municipal Court ( XXXX ) in XX/XX/XXXX for {$470.00} which they said had now accumulated to well past {$1000.00} due to interest fees. I notified them that I was totally unaware of the existence of this debt and that I would like to settle the account out or make payments and asked how much they would be willing to settle for. I was then told that there are other accounts in the office and that the total amount was well over {$5000.00} and that they would only speak to me about the entire amount. I notified them that I dispute any other amounts that they claim I owe and that I would like to speak to a supervisor to make payments for this specific account from XXXX XXXX Municipal Court only. I was then told in regards to me paying that the whole amount ( $ 5000.00+ ) or no amount would be accepted or negotiated therefore they were denying to receive my payment. I asked to speak to a supervisor and was placed on hold and then without warning, was transferred to a voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: EQUIFAX, INC.
State: AZ
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 XXXXXXXX Account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX joint account with XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX joint account with XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX I Account # XXXX has violated my rights In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX has violated my rights 15 U.S.C 1681 section 604 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : It also stats a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-12-21
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Around or about the middle of XXXX or mid XX/XX/XXXX, I requested that Wells Fargo not pay a fraudulent charge in the approximate amount of {$600.00} that was charged to my non profit account XXXX  a XXXX  XXXX XXXX. Wells Fargo reversed the charge however upon consulting with Wells Fargo 's business checking unit, I was advised that the charges hadn't been reversed. The customer service representative made the reversal while I was placed on hold. When she came back to me, she informed me that the funds had been restored back into my account. I thanked her however, to my surprise approximately a month later I received a letter from Wells Fargo saying that my account was over drafted approximately {$550.00} and that I owed the bank the money back that was restored to my account. Upon consulting with Wells Fargo 's business unit, they informed me that that the bank made a mistake and was demanding the money back. When I couldn't pay for their mistake, they eventually closed the account that I had with the bank since XXXX. Wells Fargo did not offer me a monthly payment plan but instead use strong arm tactics and close my account due to their mistake. I would like a chance to re-open my account under fair terms.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Essential Lending Inc
State: NM
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 have contacted the company to notify them I did not open this loan. After speaking with them the social security number was correct, but date of birth listed was incorrect, second where I do not have a bank account where funds were transferred to. I do not have a bank account at XXXX XXXX XXXX. They have an account number, where a payment was withdrawn from and notified them again I do not have an account there. Phone number they had listed was not my phone number, they are hurting my credit by not removing this report. I have filed a fraud report at a website. Will soon file a report with the police. I feel they did not follow through with the process of verification and allowed my identity to be stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
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:
After reviewing my credit profile XXXX, I identified a discrepancy with the account listed below and requested validation as this was an account I did not recognize. Its been over a month and I still have not received any correspondence from the creditor validation that the account belongs to me. I reviewed my credit report again XXXX and the account is still reflected on my account. I sent a second letter of debt validation and have yet to receive any debt validation. I do not believe this account belongs to me, nor do I believe that the creditor has the authorization to access this account or authorization to attempt to collect on this account. this account continues to negatively affect my credit profile. Please remove this account from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Equifax/Equifax credit keeps sending me addressed to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: JPMORGAN CHASE & CO.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Im filing a complaint about chase bank. My name XXXX XXXX. I have 3 established account with chase. I opened a business account with chase Around XX/XX/XXXX of XXXX I made a mobile deposit check for the amount {$2300.00}. This check was from one of my clients. The deposit went through according to my knowledge. Two weeks ago, while trying to make a purchase with my business card, it was declined. I called chase to see what the problem was. CHASE BANK told me they had placed a restriction on my account including money I already had in the account. They said the client only wrote partial of my business name and not the full name so they would need to verify the client in their database. They came back to me and said the phone number in their database does not match what is on the check so therefore, I would need to carry the client to the bank with 2 forms of Id or have the bank recall the check. I told THEM that the client is XXXX XXXX XXXX and home bound and can not go out unless hes goin to the hospital in hospital van. They gave me the option to recall the check. The client was able to recall the checK from his bank but according to chase, they never received the memo from the other bank to recall the check. Chase told me to wait a few days to see if the money will be recalled. But the next day after telling me to wait for the check to be recalled, they made the funds available in my account. I called CHASE BANK to see if the money was now available for me to use. CHASE BANK said even though the funds are available, they are not removing the restrictions and I also cant recall the check anymore. The only other way to get the restriction removed is to have y XXXX XXXX XXXX client go to the bank and verify. My client can not and will not leave the house. He lives in the county 2 hours from any CHASE BANK. Chase is now closing my account and holding the money till my client who is home bound comes to their bank to verify the check. I have other checks that the client has written me. Chase bank still refuse to call the man, refuse to call his bank. The only resolution is to verify a non verifiable number In their database or have the client come in a bank. My client can not leave his house unless being driven to the hospital by hospital staff. And I have no way to recall the funds now that they have made it available. dont believe this is a legal way to handle things and I need to find resolution to get my funds from CHASE BANK . The funds were supposed to go to employees. I had to come out of pocket because of the inconvenience that took place with CHASE BANK.

Company response to consumer: Closed with explanation