BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-20
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I reported 12 fraudulent charges over a 3 day period from my Bank of the West debit card totaling {$710.00}. I reported these fraudulent charges virtually through my Bank of the West account portal, then orally with a Bank of the West representative and then physically through a mailed affidavit requested by Bank of the West. 

On XX/XX/XXXX I received noticed via mail that Bank of the West deemed the charges as authorized. I called the Fraud Prevention Analyst. XXXX, from the notice letter to understand how the investigation deemed them as authorized. I was told that since I still had the card in my possession and it was not reported as stolen that it was deemed authorized. Knowing my rights, I requested the information used in the investigation. 

I left 2 follow up voicemails with the analyst which were never returned. I finally got in touch with the analyst on XX/XX/XXXX and again requested the information used in the investigation. He said that it would take 90 days for me to receive the reporting. 

It's XX/XX/XXXX I have yet to receive any information used from the investigation.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-20
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I tried to process a fund transfer and when a fee was disclosed, I cancelled the transaction. Bank of West BMO wont refund the fee even though I told them what happened several times.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
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: Investigation took more than 30 days

Complaint:
THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Chime Financial Inc
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I filed a dispute with Chime fon XX/XX/23 regarding charges made with my Chime checking account debit card. Chimes website states that if the dispute isnt resolved within 10 business days that temporary credit can be issued to my account for the disputed amount per XXXX  XXXX The dispute has not been resolved at this time, in fact I spoke with the merchant who stated that he " never responds to disputes they are a waste of his time '' .when I contact chime requesting a temporary credit I am told that I am ineligible however they can not tell me why only transfer me to 3 or 4 new CSR reps who all can not tell me why they can not issue temporary credit. These are charges I used my debit card for and are either point of sale charges or online debit card transactions. I would like the temporary credit my account is eligible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Union Bank defrauded me of {$30.00}, XXXX from XX/XX/XXXX until XX/XX/XXXX. They allowed access to my account for someone, likely a bank employee to pay an XXXX XXXX account that was not mine by ACH transfer. I also have an XXXX account so I had duplicate amount debited in my checking account. 
XXXX reversed some of the fraudulent transfers but not all. On XX/XX/XXXX, Union Bank became US Bank and US Bank reopened the investigation. But this institution like the previous Union Bank is hiding behind a 60 rule where they say banking regulations do no require that they reimburse more than 60 days of fraudulent transfers. 
XXXX says it will reverse amounts if asked? 
I have filed a police report, an FBI report, have an attorney looking into the case and have filed an elder abuse complaint with the County of XXXX XXXX. 
I have been refunded appr XXXX and still have been defrauded XXXX. 
Can you please help? 
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 2023-06-20
Company: Experian Information Solutions Inc.
State: NV
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:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

I have inquiries from XXXX XXXX that need verification or deletion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: AMERICAN EXPRESS COMPANY
State: SC
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:
I was summoned and required to answer a complaint on XX/XX/2023 for a repayment of XXXX. I do not owe that amount. This is incorrect information. I responded for them to give proof of these purchases being made by me. On XX/XX/2023 I received an email from a company goodleap asking for payment of XXXX dollars. I called them and they proceeded to inform me of a loan over XXXX dollars this is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX ( Original Creditor : SYNCHRONY BANK ) Debt does not belong 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 2023-06-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Wrongful Wells Fargo Forclosure. We feel like we did everything according to Wells Fargo and they DID NOT HELP! They kicked us out After we payed them ALOT of money. Could not talk to anyone in person at the Bank. The person assigned to our case was NEVER THERE TO TALK TO. And nobody else would help us. We even borrowed from our Retirement Accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: ALLY FINANCIAL INC.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I told XXXX XXXX that I no longer want to do service with them. And they won't tell Ally lending to stop sending me bill. XXXX XXXX damaged my eyes with the XXXX. I don't want to get anymore treatment from XXXX XXXX. I wish Ally Lending would stop billing me and give me my refund.

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 2022-11-03
Company: EQUIFAX, INC.
State: FL
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 submitted a letter to the 3 Credit Bureaus to update these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
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 Account. 
This creditor has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

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

Along with hard inquiries as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I planned to move from XXXX XXXX to XXXX in XXXX. Before XXXX/XXXX/2022, I called XXXX to request them to stop my service. they made sure my bill was paid before ending the service. A monthly letter I moved, I got a letter from XXXX that I must pay XXXX XXXX I reminded them that I paid everything. The lady agreed but say that is the penalty for leaving their service which is not fair. I told them I won't pay because I know anybody can leave any service if they can not use it anymore. I've never got a call for XXXX or the collector since then. Recently, I was trying to get preapproved by lenders, they told me that I have a collection debt. I asked for who, one of the lender gave me the number, I called, they told me it was from XXXX. I explained that the charge was not fair and I told the lady nobody contacted me. Because I did not want to argue with them, I paid off the debt. I am getting hard time being qualified for my mortgage. I need that collection off my credit. It will be very helpful. The XXXX company doesn't want to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: CULLEN/FROST BANKERS, INC.
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
1. Frost Bank committed identity theft against us by opening an account using our identifying information without our permission. This is evident in the enclosed email correspondence in which I was accidentally included on by one of Frost Banks loan processors. The email was sent on XX/XX/2023, during a time when we were still determining if we wanted to move forward since our closing was scheduled on XX/XX/2023. According to the email, Frost bank had already opened a loan account and requested to be added as a loss payee on our flood insurance policy BEFORE a contract/credit agreement was signed. Frost Banks conduct violated the CFPA prohibition against abusive acts or practices because they took unreasonable advantage of our inability to protect our interests in selecting or using a product or service by opening a line of credit account without our knowledge and consent. 12 U.S.C. 5531 ( d ) and 5536 ( a ) ( 1 ) ( B ). My wife and I had not agreed to open an account without first reviewing the terms of the credit agreement. 

2. Frost Bank included an Authorization For Payoff ( enclosed ) in our closing documents for an auto loan with XXXX XXXX. We did not sign since we are not required to apply the proceeds from HELOC to an auto loan. The loan processor at Frost Bank stated we are required to use the HELOC to payoff the auto loan if we want to move forward with obtaining the HELOC. This is a violation according to Section 50 ( a ) ( 6 ) ( Q ) ( 1 ), Article XVI, of the Texas Constitution which states : LOANS DESCRIBED BY SECTION 50 ( a ) ( 6 ), ARTICLE XVI, OF THE TEXAS CONSTITUTION MUST : ( 1 ) NOT REQUIRE YOU TO APPLY THE PROCEEDS TO ANOTHER DEBT EXCEPT A DEBT THAT IS SECURED BY YOUR HOME OR OWED TO ANOTHER LENDER.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
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:
I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: JPMORGAN CHASE & CO.
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:
I AM VICTIM OF AN IDENTITY THEFT, SOMEONE STOLE MY PERSONAL INFORMATION AND OPENED A FRAUDULENT ACCOUNT UNDER MY NAME. THIS ACCOUNT WAS NEVER MINE. I NEVER AUTHORIZED THIS ACCOUNT TO BE OPENED, THE PAYMENTS ALSO CAME FROM A FRAUDULENT ACCOUNT THAT AGAIN WAS OPENED FRAUDULENTLY. I DON'T KNOW WHO THIS PERSON IS, BUT I NEED THIS ACCOUNT TO BE REMOVED. I HAVE CONTACTED THE BUREAUS AND THE CREDITOR, I HAVE GONE TO THE FTC BUT NOW I HAVE NO CHOICE TO GO TO SMALL CLAIMS COURT, BECAUSE THIS IS NOT MY ACCOUNT, IT WAS NEVER PAID BY ME, IT WAS NEVER OPENED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: CITIBANK, N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Account was closed XXXX, account closed was not going to receive any type of deposits but bank still accepted ssi check and my job check. Now they dont want to give me my money

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: Tenaglia & Hunt, PA
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Please see My attached With Prejudice as a Memorandum for the Record dated XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I live in XXXX, across the river from XXXX XXXX XXXX, XXXX. I used my new Southwest Rapid Rewards Plus Visa through JP Morgan Chase bank at XXXX XXXX before re-entering the XXXX on a day trip across the river. I was slapped with a {$4.00} foreign transaction fee. I called JP Morgan Chase to explain that I live across the river and cross frequently, they told me they can't remove the fee unless I sign up for the level above the account I already have. I already pay {$69.00} per year to have the Southwest Rapid Rewards credit card, but they said that doesn't include free foreign transactions and if I wanted that I'd need to upgrade to the {$140.00} a year account. I just think this is more junk fees runaround from the big banks and I really think they need reigned in. Hope you all can help force them to stop extracting money from those of us who make the least.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-21
Company: BOK FINANCIAL CORP
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have a complain open No XXXX against Bank of Texas XXXX A few days ago I received through regular mail, A package from Bank of Texas with my physical address on it, but addressed to XXXX XXXX, which I do not have an idea who that person is. I did opened believing it was a mistake on the witting address. It consist of several pages, the first it is a letter from XXXX to XXXX XXXX ( please see document attached ) talking about his case. In the last page shows a copy titled " Uniform Underwriting and Transmittal Summary '' which you can see XXXX XXXX 's information about his loan where include his address and his Social Security Number. This is a very serious matter. It makes me believe XXXX is totally careless about sensitive information and that my own information has or could be sent to a different person who can bad use of my sensitive information for the lack of ethics XXXX has related protecting his customer 's information. I am sorry, it seems I have been very hard with Bank of Texas, but I expect and deserve better. 
I want this bank to be responsible for the payment of at least a few years of XXXX XXXX XXXX, which serves as a lesson of whomever is responsible for this bridge on the security of all the customers. Btw, I have left only the 4 last digits of XXXX XXXX 's SS # to protect his identity, but on the document I received it shows it in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: The CBE Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was looking to move into a new apartment then I went ahead and had a look at my credit report and I noticed I have 2 collections both from charter communications. The first balance I noticed was for the amount of {$510.00} posted to XXXX, XXXX, and XXXX. and another 2nd account posted to my XXXX credit report. 

Note that I did not authorize or consent to any contractual agreement with Charter Communications ( spectrum ) and I have no contractual obligation to pay the current creditor of this debt CBE Group. 

This is careless misuse of my personal information and I did not consent to have this data furnished as per FCRA 15 USC 1681 a " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate '' I demand that these accounts be removed from my credit reports. 

Failure to respond within 30 days of receipt of this complaint may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : -Defamation -Negligent Enablement of Identity Fraud -Violation of the fair debt collection practices ( including but not limited to Section 807-8 ) -Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) I will also file a complaint to my district attorney, XXXX. 

Below I attached a FTC complaint regarding this issue.

Company response to consumer: Closed with non-monetary relief