BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I've try to open checking account with Bank of America past month and I found out someone stolen my identity and opened two Bank of America checking account so I can't open account on my own because of that so I've spoke with fraud department and open two fraud claim for it. First claim number it's Case number XXXX for account ending in XXXX and second claim number its XXXX for account ending in XXXX and two weeks ago Bank of America customer service told me they've finished investigation and saying Weve completed our research on your claim listed above and determined you arent the person responsible for opening the account. but I'm still unable to XXXXpen Bank of America checking account on my own afterward. Ive try to open one online but they closed it right after I opened it and I went into a branch with my social security card and two form of id and they still wouldn't let me opened it and it popped an error saying " fraud '' when banker tried to open one for 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 2021-09-29
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to dispute charge tickets of {$1300.00} to my Ending in XXXX from the XXXX XXXX XXXX account on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, The charge is in error and unfair and my economic situation was affected by this balance, I was overcharged, because I request the full cancelation on XX/XX/XXXX XXXX  request by the passengers past away, the country close the entry passengers from the USA, also my parents XXXX XXXX XXXX XXXX and XXXX XXXX XXXX de XXXX get XXXX XXXXXXXX virus and they admitted in ER on XX/XX/XXXX XXXX, Colombia for 18 days, Unfortunately, they are unable to recover from the virus and pass away, I mailed certified of dead. 

I contact Customer Service XXXX : XXXX the represented promised to void, cancel and remove these charges by my loss and because no one use or pretended to use these tickets and I never received them. 
I am requesting and informed of this tragic situation that the error is corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. Also, request this company stop check my credit for no reason. 
Enclosed are copies of certified supporting my position and experience. Please correct the error on my account promptly. 

Sincerely, 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 2020-04-06
Company: EQUIFAX, INC.
State: TX
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:
remove the vioilations attached The Fair Debt Collection Practices Act ( FDCPA ), Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 ( and as subsequently amended ) is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. The statute 's stated purposes are : to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information 's accuracy. [ 1 ] The Act creates guidelines under which debt collectors may conduct business, defines rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. [ 2 ] It is sometimes used in conjunction with the Fair Credit Reporting Act. [ 3 ] [ 4 ] XXXX  : OCC Assesses {$60.00} XXXX Penalty Against XXXX XXXX, XXXX Bank to Reimburse Consumers for Unfair Billing Practices XXXX XXXX : The bureau found XXXX XXXX violated the Consumer Financial Protection Act in the way it administered a mandatory insurance program related to its auto loans. ... As expected, the bank will be assessed a {$1.00} XXXX penalty from the CFPB and a {$500.00} XXXX penalty from the OCC. no civil violations can count as debt XXXX XXXX : FTC Settlement Imposes {$100000.00} Fine Against Online Retailer for Failing to Post Required EnergyGuide Information for Appliances Agency Files Complaint Seeking {$540000.00} Penalty Against Another Retailer For Similar Violations XXXX XXXX : The FTC also alleges that XXXX XXXX falsely told loan applicants that Investors Have Backed Your Loan while knowing that many of them would never get a loan, a practice that delayed applicants from seeking loans elsewhere. ... The company is charged with violating the FTC Act and the Gramm-Leach-Bliley Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: NEW CITY FUNDING CORP.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I am one payment of XXXX dollars behind my loan company called today on XX/XX/XXXX told me XXXX u its up for repo and hung up on me I plan on paying it as soon as I get paid next week Wednesday when ill still be only one payment behind I have been sick and in and out of work due to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20
Company: CITIBANK, N.A.
State: KY
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I have a credit card with Citi bank and in the last two weeks. My card has been compromised and unauthorized charges have been placed on a duplicate card out of Florida. XXXX in XXXX with my XXXX card and yesterday in XXXX, FL. My cards have the chip technology but also the mag strip. I am requesting that Citi assign me a pin. I have also asked for this capability from XXXX. I think banks should provide a pin if requested. I also think it should be illegal for banks to charge more for a signature based transaction that a pin based transaction. The security provided by the chip as it is currently being viewed is for the security of the bank. Not the security of the consumer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: Experian Information Solutions Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I HAVE DISPUTED CERTAIN ITEMS ON MY CREDIT REPORT WITH EXPERIAN. I WAS TOLD THAT THEY HAVE THE RIGHT TO THEIR OWN DECISIONS AND WHAT MAKE MY WORD ANY GOOD. I ASK HOW DID THEY VERIFY THE VALDIATE OF THE BILL AND WAS TOLD THAT THEY DONT HAVE TO TELL ME NOTHING WHEN I ASK FOR A SUPERVISOR I WAS TOLD THAT THE ALL SUPERVISORS WERE IN A ALL DAY MEETING AND WILL CALL ME BACK WHICH THEY HAVENT. I ASK THE AGENT ON THE PHONE HIS NAME AND ID NUMBER SO I CAN REFER THIS CALL BACK TO HIM I WAS TOLD IT IS AGAINST THE LAW TO GIVE ME THAT INFORMATION. EVERY TIME I CALL THIS COMPANY I GET DIFFERENT DATES WHEN THIS DEBT IS TO FALL OFF OF MY CREDIT. THIS BILL IS OVER 10 YEARS OLD AND I TOLD EXPERIAN THAT THE COMPANY IS FALSIFYING THE DATES SO THEY CAN CONTINUE TO STAY ON MY CREDIT. I WAS TOLD THAT IT IS NOTHING THAT CAN BE DONE. i TOLD THEM THIS COMPANY XXXX IS A FRAUD AND THEY KEEP SELLING THIS BILL TO EACH OTHER.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-29
Company: Experian Information Solutions Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

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 2022-05-13
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal once again closed/permanently limited my account for no valid reason ( a day ago ) ..Tried to submit some valid documents but they just declined and suddenly blocked my account. Many times tried to ask or beg to reopen or atleast to release my money inside the account ( everything the stories i told to them ) but no sense at all ... Those little money just i worked hard for some online transactions so i won't see anything wrong with that..My PayPal account : XXXX. 
Thanks and regards..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Other

Complaint:
See CFPB complaint # XXXX. This is a complaint that is completely separate from the complaint below but are connected in terms of the consequences the complaint above is having on the complaint below. 
My stepson XXXX XXXX had a debit card associated with his mother 's checking account with Chase. My wife has a credit card with Chase that is being reported as 245 % over its limit which is the reason behind CFPB complaint # XXXX. 
XXXX applied for a credit card and was denied because he was being reported as having a credit card 245 % over its limit when he does not. Chase claimed this was happening because his bankcard was connected to his mothers checking account. XXXX then closed the account he had in connection with his mother and opened an entirely new and separate card in his own name and with his own social security number and when he applied, he was denied because his credit report list him as having a credit card 245 % over its limit when he does not have any credit cards in his name at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: Convergent Resources, Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was wrongly accused and penalized on my credit report by the following companies : -Convergent Outsourcing for {$510.00} on XX/XX/XXXX XXXX XXXX for {$910.00} on XX/XX/XXXX XXXX XXXX XXXX  for {$710.00} on XX/XX/XXXX I've already taken the time to dispute all charges. 

These collection accounts have had an adverse effect on my credit and I would like them to be removed expeditiously.

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 2021-09-29
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
We were buying our leased car at the end of the lease and paying with a check. We were required to authorize the dealership to pull our credit report. This was totally unnecessary since we are not applying for a loan. In addition, they collected our income and mortgage payment information. We were not provided by a good reason why we need to provide this information. 

This happened at the XXXX dealership.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: Empowerment Ventures, LLC
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
During the Rushcard glitch, I was without access to my funds for a week or more. I could not pay my bills on time which lead to me having to pay late fees. I could not withdraw money to eat, put gas in my car, pay a loan off, any many other things I needed to do. This ordeal caused a lot of hardship for me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-15
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I submitted several loan modifications packets through Chase to save my home, they kept having me resubmit, losing documents and changing my relationship manager several times. I even tried an outside company, only to get scammed out of over {$1000.00}. Keeping in mind my income had increased by {$25000.00} since the initial purchase of the home and they said that my income was not enough to approve the modification. At my wits end, I entered a Chapter XXXX bankruptcy to try to save the home but the structure of the payments were much more overwhelming than a simple loan modification. My spouse and I decided to surrender the home under the protection of the Chapter XXXX process. We did so with the understanding from our bankruptcy attorney that the surrender of the home would be in full satisfaction of the debt and that we would not be charged with a foreclosure. We surrendered the property, which is located in XXXX and moved to XXXX 2 month ago. We had completed all payments to the bankruptcy and was given an order from the court to incur post petition debt to purchase a home. We are now one week from closing ( XXXX XXXX, 2016 ) only to find out that Chase is foreclosing on the Louisiana home and as a result I can not get the VA home loan to complete the purchase. I am submitting this complaint against Chase because I believe that they intentionally kept encouraging then denying my application for modification, subsequently feeling coerced to file bankruptcy to save my home and salvage my credit. I believe that Chase 's modification process at the very least is flawed but at the other end of the spectrum may even be fraudulent. Chase representatives lost paperwork and the constant change of relationship manager made it impossible to establish or maintain continuity of process. The negligent workmanship regarding the process was done with careless and reckless disregard and as a result, has caused me financial and XXXX injury. As a XXXX, XXXX veteran and am appalled at Chase 's lack of candor regarding business practices and they should be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This complaint is against Credit Collection Services, not sure if they go by other XXXX names. I spoke to Dept of Justice, Attorney Generals office agent XXXX XXXX the other day and new developments have been made in this case. This creditor has been collecting from XXXX ( XXXX XXXX ). I was out of the country and missed my mails. Upon return I saw this comcast account been in Collections. I immediately called XXXX and the XXXX XXXX XXXX helped me with this account, she told me upon full payment, all credit collection activity will be removed. So I paid this in full. However, couple weeks later till date, this account still appears on my credit report. 
I called Collections company today, spoke to agent named XXXX XXXX, I told him that XXXX XXXX has authorized this account to be removed and deleted, he laughed and said why would he do that. I also told him that I spoke to DOJ agent and I was informed another name this Collections company go by, he told me he does not care about DOJ or any letter received from DOJ or better business bureaus complaints. He abruptly hang up on me. 
The XXXX Companies are a corporate group offering Accounts Receivable Management ( ARM ) and Business Process Outsourcing ( XXXX ) services. CCS has received many consumer complaints alleging violations of the Fair Debt Collections Practices Act ( FDCPA ) such as failing to provide verification of a debt. If you have been contacted by CCS, make sure you know your rights before responding. 

I pray and request if your office can help me bring any Justice from this Collections company abuse and disrespectful behavior of their employees, such a disrespect and unethical way of conducting business, Todate there are numerous complaints filed against CCS with XXXX XXXX XXXX. I would like this Credit Collection to be removed from all XXXX credit bureaus, this is affecting tremondously financially and inability to get any loans. Here is the email from XXXX XXXX Office. Should your office need further info, pls kindly let me know. 

Respectfully XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: Westlake Services, LLC
State: SC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
i bought a truck from a car lot in XXXX sc who got it fiainced with a place called western funding out of XXXX nv at first i didnt get a payment paper so i didnt no where to send any money than after that in XXXX 2016 i stop reciveing my payment papers no letters from them nothong so friday XXXX/XXXX/16 they had my truck repoed and told me i had to resumit my paper work to let me no XXXX hours later they told me i could not have my truck back it was going up for auction on XXXX/XXXX/2016 i was dont wrong from day one i have money to get my payments caught up with biut they tell me no i thnik something needs to be done it is not right

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The following closed accounts are negatively effecting my credi score. I am requesting to have the following removed from my credit report : XXXX, XXXX XXXX XXXX -- XXXX, XXXX -- XXXX, XXXX -- XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I applied and got approved for a Barclay 's Uber Credit Card in 2018, but it has come to my attention that they are discontinuing the Credit card. I have not received guidance on how to cash out the rewards that I have accumulated.

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 2021-09-29
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I went into chase branch and opened one checking account few months ago but a week or two weeks later find out they restricted my online banking so I called and got told they needed me to go to the local branch to show ID. Then I found out today that they closed my accounts. The branch agent told me on the phone. I called Chase customer service and another agent confirmed my accounts were closed. She also said Chase has banned me as a customer. She didnt give an explanation why. I asked to speak with a supervisor and she transferred me but instead hung up on me. I was on hold for an hour before the lady got on the line in the first place. My XXXX report also shows no issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: Experian Information Solutions Inc.
State: TX
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:
I am writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-16
Company: JPMORGAN CHASE & CO.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been having a difficult time paying the mortgage for some time now. I have asked for a modification twice and both times have been denied. I have tried calling a customer care associate several times and they are never of any help. They either do not return phone calls or are not able/willing to offer any feasible solution. My house is now going into foreclosure and I feel that someone within the company should have been more willing to help. It seems as if they are just out to make money from my struggles.

Company response to consumer: Closed with explanation