BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
The USAA Federal Savings Bank stopped providing me with a " completed payment '' list on accounts processed through their USAA web billpay service displayed under the " Recent Payment Activity '' window. All pending payments, including the non-USAA accounts are listed, but the completed payments lists only the USAA accounts. The non-USAA accounts are not listed. The USAA web billpay service deducts payments from my USAA checking account. The failure to list all completed payments does not allow me to track all of my checking account expenditures accurately. This problem has persisted for over two months. I have made several phone calls to USAA to correct this problem. I have spent inordinate amounts of time waiting on the phone to talk with representatives only to receive trouble tickets that go unresolved or are ignored. I have not received any follow-up phone calls, emails or letters from USAA representatives regarding this issue. Trouble tickets issued : # XXXX, # XXXX, # XXXX, # XXXX ... From XXXX/XXXX/2015 through XXXX/XXXX/2015

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/20 I deposited {$1500.00} in my Bank of America checking account. The same day I noticed a withdrawal for {$15000.00} account and I called the claims department from Bank of America. They responded closing all my accounts. Checking account, savings account with {$10000.00} and business account with {$2000.00}. As today, I just received a check {$2000.00} from my business account. I called multiple times and nobody has a response to me. I was really affected because during this month I was unable to pay all my monthly expenses. I need to receive my money back and nobody explained to me what happened.

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 2021-08-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
i dont know where that XXXX reinstatement fee comes from on aXXXX loan that was15 ye ars old and i like to know who the trustees and attorneys names in this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is affecting my chances of establishing a great history with the current company. The name of the inquiry is XXXX XXXX. The inquiry date is XX/XX/2018. The bureau reporting is TransUnion. Thank you!

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 2021-08-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft. There are 9 inquiries on my Equifax credit report that do not belong to me. I have submitted a dispute for each fraudulent inquiry as well as a FCT report and identity theft affidavit to Equifax per their request. I have spoken to 3 Equifax representatives on the phone and have submitted all requested documentation to them via fax. Equifax refuses to remove the fraudulent inquiries. Equifax is the only agency that refuses to remove these inquiries. These inquiries need to be removed immediately as Equifax is violating my rights as a consumer and reporting inaccurate information on my credit report which can negatively affect my ability to be approved for future credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: I.C. System, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX and I C SYSTEM are infringing upon my rights to privacy pursuant to 15 usc 1681 ( a ) ( 4 ) YOU HAVE A GRAVE RESPONSIBILITY to respect my rights to privacy. I Did NOT give my writing consent for either of these companies to report anything to my consumer report, and you reporting these accounts to my report is a VIOLATION!!! Pursuant to 15 usc 1681a ( 3 ) ( e ) there is NO reason for you to do investigation, because if anything comes back factual it can not be furnished on my consumer report! SO THE BEST OPTION is for you to DELETE IMMEDIATELY! 

These are the accounts that need to be removed : Account name : XXXX XXXX XXXX Account number : XXXX These are the accounts that need to be removed : Account name : I C SYSTEM Account number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
Company: FIRST ADVANTAGE CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/2021 I was offered a position at XXXX. I accepted and continued on to complete the documents needed to pursue the hiring process. I then was sent a email to submit a background check, I complied and completed it. I received the background check report back the same day and I noticed an extra charge on my record that I have no recognition of. It also couldve been my mistake while entering the information due to the glitching of my screen but Im 100 percent sure the extra charge is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
Company: EQUIFAX, 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:
Ive tried contiously over and over again but the credit bureaus have yet to respond to my investigation. THIS NEEDS TO BE HANDLED IMMEDIATLEY! I need these accounts that arent mine to be removed from my credit report NOW! It has been over 30 days and they still havent been removed. So, I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The item I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: JPMORGAN CHASE & CO.
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have a few Chase credit card account 's with my wife, however, there is an individual past due Chase account listed on my credit report, as an individual account. I have never had an individual account with Chase. I have asked for copies of documents, to no avail. This is not my account, however, I keep receiving communication from XXXX after that have been told, this is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01
Company: JPMORGAN CHASE & CO.
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I had filed a claim on my account back in XXXX because the XXXX had overcharged me when I submitted the claim to the bank it ended up being denied so according to the letter the bank chase wrote that they were responding to the complaint from the XXXX which they received XXXX XXXX 2016 it says that we adjusted your claim and provided XXXX credits because I initially had received a claim credit for XXXX on XXXX XXXX and since the merchant credit the account we adjusted the amount and provided a credit of XXXX on XXXX XXXX they had advised me that on XXXX XXXX they would reverse the credit of XXXX which they had removed and ended up overdrafting my account of XXXX so they made the adjustment from the XXXX claim for XXXX that merchant said they would adjust and then took out the XXXX from the adjustment they made I filed XXXX claim not XXXX upon receipt of speaking with the executive office at Chase the XXXX time all this was explained to me and I said okay I understand what you are saying so then I had a direct deposit that had come in on XXXX XXXX for XXXX and then XXXX which left my account at XXXX so when my account was hit with the direct deposit of XXXX on XXXX it should had put my account up to a positive balance and not a negative one then the claims reps that I spoke to on Thursday night XXXX XXXX and Friday XXXX XXXX said we understand it was done in ERROR you are right should NOT have been re taken out on account they also then advised me I did n't file the XXXX claim the bank did so how do you take another XXXX which you already removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
It is a Credit Card that I use to build credit and put money to build credit did not use the XXXX to start with like they reverse the credit line giving me a balance of XXXX which is the balance that I have in credit not owed or used only used what I put on the card to make transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I have a college account with chase and ever since I have had the account my experience has been horrible! My account has been stolen more then twice! even In a whole different state ( XXXX ). I went to XXXX for a few months over the XXXX and only used my travel account, When I came back I found out my account was hacked yet again. Someone has completely stolen my identity and chase is letting it happen! logging into my online banking and even more! I 'm extremely upset with chase. They have credited the money back to my account and waited a few weeks to tell me that they now have to take it back! what kind of mess is this?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11
Company: JPMORGAN CHASE & CO.
State: HI
Product: Credit card
Issue: APR or interest rate

Complaint:
I really hope this is n't a waste of your time. 

I am a service member with a credit card with Chase. I have other credit cards whose interest drops to 6 % because of the Servicemember 's Civil Relief Act ( SCRA ). Unfortunately, Chase says that I am not eligible because I got the credit card after I entered XXXX XXXX. XXXX and XXXX are XXXX companies that do n't have such a restriction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NM
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I qualified to participate in a deed-in-lieu with my mortgage company, Carrington. 
They proposed a XX/XX/XXXX closing to acquire my property, then cancelled. After several calls, emails over several subsequent weeks, I learn through various case workers in the short sale department that a " custodial file '' for my case can not be located just yet. There is no proactive response to me, no explanation from my caseworker XXXX XXXX, no apologies and most importantly, they can not provide me with a timeline for closing and completion. My attorney XXXX XXXX even emailed Carrington/XXXX. XXXX indicating that the process has stalled, and with no response to him. Meanwhile I am required to maintain the property and keep utilities connected, at great expense to me to keep the agreement in force. This is an incredible cost burden for me, a homeowner who is already cost-burdened to have to resort to a deed-in-lieu process to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 ORIGINAL CREDITORS : EQUIFAX INFORMATION SERVICES LLC XXXX. XXXX  XXXX XXXX, GA XXXX ( XXXX ) XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report file. I have circled The items I dispute on the attached copy of the report I received.The information on EQUIFAX INFORMATION SERVICES LLC Original Creditor : EQUIFAX INFORMATION SERVICES LLC account number ISNT DISPLAYED with a CREDIT SCORE OF XXXX which is inaccurate because I've been contacted by MANY companies about a debt you allege I owe several times. You also have my name listed wrong, it is, XXXX XXXX XXXX. What you have listed is XXXX XXXX XXXX XXXX XXXX! I also never lived at XXXX Whispering XXXX XXXX, XXXX XXXX, FL XXXX XXXX I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 
Please reinvestigate this matter to have them delete the disputed item XXXX XXXX ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Chase closed my Checking account that I opened in the beginning of this year, following that closure, they stated they are now closing my credit card as well. I had high cash deposits / withdrawals due to a few trips to XXXX XXXX but I have proof of the income and it 's reporting to the IRS under my social security from XXXX XXXX. I have written a letter to the Executive Office at Chase and I am currently pending a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have had XXXX overdraft charges. This is excessive. The accounting system at Compass Bank is terrible. News and media reports have this well documented. Compass Bank settles excessive overdraft class action for {$11.00} XXXX XXXX Complaints with excessive overdraft fees!! 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
The company requested my bank to file a dispute with XXXX XXXXXXXX XXXX, however my bank has already filed a complaint and tried to get funds back in XX/XX/2023. Capitol one denied their request and my bank is not able to file another dispute. I have attached both letters response. One from my bank and another from Capitol One

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
It has come to my attention that CHASE CARD/JPMCB CARD, creditor and debt collector as defined according to 15 USC 1602 a ( g ) and 15 USC 1692a ( 6 ), has violated my rights as a consumer under Title 15 Chapter 41 subsection 15 USC 1601, Truth In Lending Act and 15 USC 1692, Fair Debt Collection Practices by misinforming me about the use of my credit, invading my privacy and by providing abusive and unfair debt collection practices. On XX/XX/2016, I entered into a consumer credit transaction with Chase Card/ Jpmc Card. After some years, I began to find out that I had, in fact, been violated by this company, and Chase Card/JPMC Card had infringed upon my consumer rights. After learning about the horrible truth on XXXX, I issued a cease and desist letter to Chase Card/ Jpmc Card for the discovered illegal acts being taken against me, the natural person, and the original creditor. Inside this notice, I informed Chase Card/ JPMC Card. This notice serves as documentation that I am disputing the validity of this debt according to 15 USC 1692c ( c ) and that this consumer credit transaction with CHASE CARD/ JPMCB CARD. This resulted in this account : XXXX, which is under an open-end credit plan, was used unauthorized by CHASE CARD/ JPMCB CARD, which resulted in identity theft according to 15 USC 1602p and 18 USC 1028a ( 5 ). Along with exhibits, documentation, Identification, and laws showing how and when I was violated. Within my cease and desist, I have clearly informed Chase/Jpmc of the consequences of the failure to comply with my cease and desist demands that will result in legal judgment being brought on Chase/Jpmc. Accordingly, and informing Chase/Jpmc that their actions may be held criminally liable according to 15 USC 1611 and civilly liable according to 15 USC 1640 and 15 USC 1692k. Chase Card/ Jpmc Card did not clearly and inconspicuously disclose my right to rescind to me at the time of entering this consumer credit transaction. All exhibits and documentation that I sent to Chase/Jpmc have been sent via certified mail along with this complaint to the CFPB. And litigation will follow if ALL my demands are not met.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: BBVA FINANCIAL CORPORATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In an attempt to open an account, I waited the time frame I was told, but never received a response. I then contacted the financial institution and was told I needed to email identification. I complied and sent the information ( Passport and Drivers License ). A few days later I still had not heard anything, so I again contacted the institution and was told they could n't accept one of my identifications due to it not having all four corners visible. For a second time I complied and resent new pictures. After 5 business days of waiting, I called to see what was going on. I was told by a customer service employee that " we can not accept id through email ''. I explained that 2 other customer service agents told me to email the information. He stated that all he knew was they could not accept ID through email. I then asked for a supervisor. The supervisor told me that they had no records that my ID 's had been received. I then explained that I had sent them twice before. She asked me to send them again and that I would have to wait for approval. I explained to her that I 've jumped through enough hoops for this company and it was time that they did some jumping. I have now been dealing with this company for over 2 weeks, enough is enough. No action, no results, poor customer service.

Company response to consumer: Closed with non-monetary relief