BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-24
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On or about XXXX/XXXX/2017, Chase bank unexpectedly closed my checking account after being a good standing customer of theirs for nearly 15 years. For over a month they have been holding my funds of {$6800.00} in my checking account and not releasing it to me. These funds include deposits I made in my account as well as my salary from my employer. 

There is no kind of levy, seizure, garnishment, etc. on my account and the only explanation they 've provided me so far is that they are looking into it. I initially spoke with a XXXX XXXX at XXXX and he did not provide me an explanation as to why my funds have not been released back to me. It has been over a month that they are holding my funds and I have not been able to pay my rent or any of my bills. I find it utterly appalling that this could even be legal or allowed for a national bank to do. I am hoping I have not be defrauded as I have read several similar complaints online against Chase bank. Any help you would be able to provide me regarding this matter would be greatly appreciated. 

Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: EQUIFAX, INC.
State: FL
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:
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 response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I filed a claim that my card was stolen & XXXX was withdrawn & transfers out my account but not at once on the XXXX & the XXXX, i ask them to check the cameras and everything to show that it wasnt me that withdrawal the money out my account and before this happened they told me my card wasnt working it was under review but all of the sudden my card getting stolen and money getting withdrawn out my account in the middle of the night. I filed the dispute in the XX/XX/2021.

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 2022-08-16
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have tried to get the bank issuing a credit card to correct their error in failing to deliver my monthly statements in paper form through the u.s. postal service, causing a substantial drop in my credit score because of erroneous delinquency. I have filed a complaint about the bank and the other two bureaus. Now I need to the same because of a substantial change in the score by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: PNC Bank N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
AGAIN! PNC BANK CREDIT CARD HAS TAKEN AN UNAUTHORIZED {$340.00} OUT OF MY ACCOUNT. XXXX THEY TOOK AN UNAUTHORIZED {$840.00} OUT OF MY ACCOUNT. AFTER SPEAKING WITH THE REPRESENTATIVE SHE CONTINUED TO TELL ME THAT THEY HAVE THE RIGHT TO TAKE MONEY OUT OF MY ACCOUNT, BECAUSE I ACTIVATED THE CREDIT CARD. THE RESPONSE FROM PNC BANK, FROM MY PREVIOUS COMPLAINT THEY HAVE UPLOADED A FRAUDULENT TERMS OF AGREEMENT JUST TO STATISFY MY COMPLAINTS TO THE CFPB.THAT WAS NOT TERMS WHEN I SIGNED UP FOR THE CREDIT CARD. I AM CONSTANTLY BEING HARASSED BY THIS CONTINUED AND DISGUSTING BUSINESS PRACTICE OF PNC BANK WITH NOTHING BEING RESOLVED. THE CARD HAS BEEN CLOSED FOR MONTHS. I HAVE NEVER AUTHORIZED PNC BANK TO WITHDRAWL ANY MONEY FROM ANY OF MY ACCOUNTS! THE INTEREST RATES ARE RIDICULOUS FOR MINORITY AND XXXX OWNED BUSINESSES. EVERY TIME I TRY TO PAY A BILL PNC BANK HAS ALREADY WITHDREW MONEY FROM MY ACCOUNT WHICH PUTS ME FURTHER BEHIND.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Contacted National Credit Adjusters , LLC  XXXX / XXXX / 17  in response to a message they left with my mother  XXXX / XXXX / 17 . I called  XXXX  I spoke with  XXXX , She would not tell me about the debt that I owed. I asked the name of the company they were hired by, how much  I owed. She would not tell me anything and demanded that I verify who I am by giving the following : last four of my social security number, birth date, and address. I told her my full name again, and that without her telling me who she was hired by to collect the debt I did not feel comfortable giving her that information. I then asked if she would no longer contact me via phone and only contact me via mail. She explained th at without me verifying that information she could not honor my request for mail correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/2021 i made my payment to capital one. I tried to pay my cell phone bill but my card was declined when i should have had enough credit to cover my bill. My payment posted XX/XX/2021 as usual but my credit line didn't increase back to the {$300.00} available credit line. I contacted capital one and was told that the payment had not been received on their end. I asked to speak with a supervisor and was told the same thing. I then hung up and contacted my banking institute and told them the situation. A rep from my bank and i then called capital one on a conference call so that my bank can verify that the payment was made posted, settled and should be with capital one. The capital one rep now change the story and says that they had indeed receive my payment but put a XXXX day hold on my account. I have been a capital one customer for over XXXX months and have always paid my balance on time and in full. I have never been late or missed a payment. Now I'm being told my available credit is not available even though my payment has been received. Capital one could not and would not explain to me or give me a good reason as to way my account now have a hold on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2020 I had owner XXXX XXXX, of XXXX XXXX XXXX XXXX XXXX, XXXX Arizona, come to my home to measure to install new vinyl plank flooring in my house. XXXX didn't leave anything in writing with me stating that he would get back to me with a solid price and let me know if I am approved for a no interest credit card from Synchrony bank. The next day XXXX called to let me know I was approved for the credit card and quoted me a price or {$9500.00} which he said included materials and labor.. I was interested in moving ahead and gave XXXX the information and XXXX of the flooring I was interested in to check stock. XXXX informed me that to begin the job I would need to come in and sign a contract. I told XXXX that I would be in within a few day to sign. 3 days later my work began furloughs due to covid-19. I called XXXX to tell him I would not be doing any work at this time due to my work furlough. He informed me that he ordered the flooring and that it can not be returned because it is discontinued, which he never disclosed prior to this. I explained that him ordering flooring without a contract was his decision and was out of my control. The XXXX XXXX closed right after that for 4 months due to Covid lockdown. But, 2 months later in XXXX of XXXX I received a bill from Synchrony Bank for {$9500.00} that XXXX billed to my credit card without my authorization and the XXXX XXXX was still closed due to lockdown. I've made numerous attempts to contact XXXX XXXX regarding these charges and have not received any communication to date from him or any itemized statement of what I was charged for. I contacted Synchrony Bank on this matter. They have sided with the merchant in 3 disputes despite the merchant actually uploading a copy of an unsigned contract that I have never seen. My credit is ruined going from XXXX to low XXXX due to Synchrony Bank 's credit reporting against me. I currently have an open fraud investigation with Synchrony Bank stating that this merchant has used my credit card without my authorization. Recently, I tried to refinance my home and that is how I found out how bad my credit has been damaged by this incident. The lender gave me CFPB info to file a complaint.

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 2017-04-25
Company: Experian Information Solutions Inc.
State: IL
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:
Experian has reported multiple inaccuracies on my credit report with out a proper method of investigation that is enforced FCRA laws which state that they have t o show me " Physical, '' proof of how they were to able to verify these inaccurate accounts. They must show proof of who they spoke with, when they spoke to said person and a contact number for said person. Stating the company name is not verification. They have not provided me with any physical proof just a speculat ion stating an item was " verified '' or " remains '' which is not a verification. They are not following the law and has show a total disregard of following the law. I have attached a letter which describes all the inaccuracies and and my identification to prove my identity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-24
Company: Kohn Law Firm S.C.
State: WI
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I guess Kohn law firm does not understand that just because something is mailed means that it gets to the person it is intended. They claim they mailed notice of taking over a debt collection yet they did not mail it to me so that I had to sign for it, meaning it would have been given more attention with usps. I NEVER received their notification, contrary to their statements otherwise. As such, I have the right to have the debt that kohn is collecting to be validated, yet they claim that as they sent the notification I have lost my right to that! Sick of dealing with a collection agency that does n't even have the right to be collecting this debt as the wording on my original note does not give the bank we dealt with to sell or give the note to third parties to collect!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Experian Information Solutions Inc.
State: CA
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the Credit Reporting Agencies are required by law to remove & block any accounts and information which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records. Please remove the Following items : XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX OF XXXX XXXX Balance Owed : {$0.00}. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.

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 2018-04-07
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is not mines. I spoke with the company would not provide proof of this is my debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29
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:
*** Equifax***Inquiry details ; XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Telephone Companies XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Motorcycles & Bicycle SalesXXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX - XXXX Inquiry from XX/XX/XXXX Miscellaneous Utilities XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Motorcycles & Bicycle SalesXXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Motorcycles & Bicycle SalesXXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Furniture, Etc. 
XXXX Inquiry from XX/XX/XXXX Complete Dept. Stores XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Motorcycles & Bicycle SalesXXXX XXXX Inquiry from XX/XX/XXXX Telephone Companies *** XXXX***Inquiry details XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Finance Cb XXXX  Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Utilities & Fuel XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX/XXXX  Inquiry from XX/XX/XXXX Finance XXXX/XXXX Inquiry from XX/XX/XXXX Finance XXXX  Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: Upstate Collection Center, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Upstate collection center inc. 

The collection company calls me 5-10 times a day, I called them to see if I can come to a amount to agree on since the amount they are trying to collect is invalid and is all fees they charged, at that point the collection argent got very rude telling me I have to pay the whole thing I asked again if we could agree on something since the amount is not right, she continued to get hostile I then said to stop calling me and making any contact to me and my wife she then said thats fine we will continue to call your wife I said no I just said we dont want any contact its my debt and you need to stop calling she then threaten to sue me so I told her she can go XXXX her self and to not call me again. I dont feel I should be harassed and threatened expcialy when I have explained to them that my income falls under income that cant be garnished and there still threatening me. Something really needs to be done about this company when I look them up it comes up as perminatly closed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am trying to purchase a home in  XXXX   XXXX  California for a couple of months.   I have been working wi th Wells Fargo as  a lender at the direction of my real estate agent.   I sig  ned an agreement with good terms and a rate lock.
90 hour  s before close  XXXX   XXXX  a t Wells Fargo told  me the underwriters did not approve.   I would have to borrow twice the money I wanted to borrow at a higher rate.     I am about to lose the house I planned on buying rather than pay thousands in interests and fees I should n't be paying This seems like fraud to 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 2019-12-30
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:
*** Equifax*** View all accounts COLLECTIONS XXXX  Opened XX/XX/XXXX {$310.00} Original creditor : XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX {$610.00} Original creditor : XXXX XXXX XXXX XXXX XXXX   Opened XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX   XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$1100.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$850.00} Original creditor : XXXX XXXX XXXX XXXX XXXX *** XXXX*** Derogatory marks View all accounts COLLECTIONS XXXX XXXX XXXX Opened XX/XX/XXXX {$1100.00} Original creditor : 12 XXXX XXXX XXXX XXXX XXXX   OpenedXX/XX/XXXX {$850.00} Original creditor : 12 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$1200.00} Original creditor : 11 XXXX XXXX XXXX XXXX XXXX-former OpenedXX/XX/XXXX {$1400.00} Original creditor : 01 XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$610.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$310.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$1000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27
Company: Experian Information Solutions Inc.
State: IL
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-04-27
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. 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 2021-11-18
Company: NAVY FEDERAL CREDIT UNION
State: UT
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 have sent debt validation letters and dispute letters on XX/XX/2021 and XX/XX/2021. These letters are regarding to a debt said to be owed to NAVY FCU. The account number is inaccurate between all three bureaus. According to the XXXX XXXX XXXX XXXX, a consumer has the right to dispute this matter. I have even tried disputing this account through XXXX online.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief