BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
my ssn number was stolen by someone and found out after I closed my bank account and two checks was withdrawn for {$2200.00} and {$2800.00} from some else. I called the chase bank claim phone number and consulted and explained the bank staff about the debt of {$2200.00} and the result was that the check stored on XX/XX/XXXX, {$2000.00} bounced However, I deposited {$2200.00} cash in the atm machine on XX/XX/XXXX, and the statement of the cash is proved./ The explanation given for the debt of XXXX is that the amount {$2800.00} mistakenly sent to me by the government on XX/XX/2021 was recovered. However, I have asked my accountant that this {$2800.00} is the government subsidy XXXX for me and my wife I have also called the IRS to confirm that no money has been collected or owed in my profile and my online IRS account shows nothing unusual about me. I have collected all my materials including another record of {$2200.00} fake checks. I am deeply troubled and ask you to help me deal with these two debts that have nothing to do with me. Please ask them dont call me weekly!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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 have been scammed by Capital One on my XXXX credit card. Specifically, I availed myself of Capital One 's XXXX offer described at this link XXXX XXXX XXXX XXXX For a XXXX card, the terms state that between XX/XX/XXXX and XX/XX/XXXX, statement credits will be applied for up to six consecutive months in which XXXX XXXX membership has been charged to the card. 

I used my XXXX card to cover my XXXX membership from XX/XX/XXXX to XX/XX/XXXX ( six months ). I was charged {$9.00} six times, starting XX/XX/XXXX, and ending XX/XX/XXXX. However, I have only received five statement credits ( XXXX through XX/XX/XXXX ). I am therefore missing a statement credit. Even after calling Capital One, the agent acknowledges that I have been stiffed by the system, but the bank has continued to not correctly apply the final statement credit. 

I require immediate resolution of this issue, by applying an additional statement credit to my card in the amount of {$9.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Today I was advised by XXXX that Capitalone credit card closed my account. They gave me no notice. Moreover, Im not six payments behind. I ran into issues due unemployment, but paid my bill. I was told it was closed due to returned payments. Its unfair because my payment history reflect that I generally pay my entire balance in full. Its unfair, because today I was actually planning to pay my bill up. Ive been a customer for over one year. I was told nothing could be done. I would have to reapply. I knew people who are six payments behind and they havent closed their account. I feel that I have been retaliated against by my participation in a protective action. I have been unfairly singled out, and targeted. Its strange that now during my litigation of another matter, that my credit card was abruptly closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting 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:
THIS IS A SECOND ATTEMPT I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 
Credit Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2020-03-13
Company: First Associates Loan Servicing LLC
State: UT
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:
Peaks # XXXX is reporting a charged off account to my report that I have never heard of. I did not even know this account existed until I had my credit pulled and saw it on there. I've never received any form of notice or information about this account. I went to XXXX and they erroneously opened the loan, it is not mine. I have never had a loan through them nor did I sign anything. I am part of the class action law suit that was taken against them. This account is not mine and I need it removed off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: BANK OF THE WEST
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
As early as XX/XX/2021, I was hospitalized continuously and while XXXX, I contracted XXXX. During the course of my XXXX  I was transferred to a XXXX XXXX XXXX, where I am till this day. 

I wasn't able to get in contact with my creditor, in this case Bank of the West, until recently, to inform them of my XXXX. Upon informing them of my situation, seeking option to protect my credit, I was informed that my secured credit card account had been charged-off, and paid in full due to nonpayment. When I asked about what programs they have available to individuals in my situation where they are unable to make payments on their accounts due to XXXX XXXX, I was told that since the account was already closed, there wasn't anything they could do about it, that it was over-with and that it was too late.

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 2017-05-04
Company: Statebridge Company
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a problem with Statebridge Company LLC located at  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CO  XXXX . The issue I am experiencing with Statebridge is that I either do not receive a statement or it is delivered after my payment due date. This problem has been ongoing for over  twelve  months and I have attempted several times to discuss the issue with  Statebridge. Statebridge  continually advises me to use the payment grace period. Statebridge claims that they can not be held responsible for any delays concerning the  Unites States Postal Service. My concern in using the grace period when sending in my payments is that I ha ve less mail dates for said payment to get to Statebridge. If th e USPS  delays the delivery of my payment, Statebridge will certainly hold me responsible for that delay and charge me a late fee. When I suggest making my payment over the phone on the due date,  Statebridge  declines to waive their fee. There is also an extra charge to pay online. I am uncomfortable entrusting Statebridge to use the direct payment option.     I called the Better Business Bureau in  XXXX , CO and they informed me that they have received over    XXXX   co mplaints in 36 months of operation against Statebridge Company  LLC  and that the company has a rating of a " B-. '' There are also currently open complaints. I last spoke to customer service representatives  XXXX  and  XXXX  at  XXXX  on    XXXX   XXXX  , 2017. I call ed back a third time to speak to a supervisor and was put in touch with  XXXX   XXXX   XXXX  at  XXXX     XXXX   XXXX  , 2017   .  XXXX   XXXX  was of no assistance in helping me to make an on time payment without added fees.  XXXX   XXXX  explained to me that the statements get sent out on the  XXXX  of the month and that any delays in delivery was not his company 's problem.     Customer service is not in  Statebridge 's Company LLC mission statement. I want to pay my mortgage on time without added fees. It seems that Statebridge a ctually strives to discourage this. I am a United States  XXXX  veteran who has served my country for over twenty-four years. I do n't want special treatment or anything thing for free. I simply would like to receive my statements in a manner that allows me to pay my mortgage without added fees. I would like to be treated with respect and dignity and to be able to make my house payment on time without added fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: United Student Aid (USA) Funds
State: PR
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:
MY ACCOUNT WAS LINKED BY NAVIENT WITH USA FUNDS WHEN I OPENED AN ONLINE ACCESS TO REPAY MY LOAN. BUT WHEN I ENTERED TO THE SITE OF USA FUNDS TO CHECK THE PAGES WAS OUT OF SERVICE. I HAVE NO KNOWLEDGE OF ANY LOAN WITH USA FUNDS OR THE AMOUNT THAT APPEARS THERE. I HAVE ONLY A LOAN CONSOLIDATED WITH  XXXX  AND ALSO DOES NOT RECOGNIZE IT BY THE DAY IT WAS OPENED BECAUSE I WAS N'T ATTENDING COLLEGE AT THAT TIME. PLEASE REMOVE MY LIABILITY TO THIS ACCOUNT. IS AFFECTING MY  CREDIT SCORE  ALSO IT SAYS THAT IS CLOSE AND IS INCREASING  XXXX   XXXX  EVERY MONTH.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
ON     XXXX   XXXX  2017   I SE NT IN A CERTIFIED LETTER DISOUTING   XXXX   XXXX   XXXX   XXXX    COLLECTION ON MY CREDIT REPORT, THE WEEK BEFORE I HAD SENT A CERTIFIED LETTER DISPUTING OTHER ACCOUNTS. I HAD PULLED A COPY OF MY TRANSUNION CREDIT REPORT PRIOR TO SENDING IN THE DISPUTE. SO I CALLED IN TODAY ON   XXXX   XXXX  2017   B ECAUSE I HAD NOT HEARD ANYTHING FROM TRANSUNION NOR HAVE I RECEIVED A RESPONSE FROM  XXXX   XXXX  WHEN I REQUESTED VERIFICATION AND I WAS TOLD BY A TRANSITION REP  XXXX  THAT  XXXX   XXXX  WAS NOT ON MY CREDIT REPORT WHEN I SENT IN THE DISPUTE AND THAT MY CREDIT REPORT WAS SUPPRESSED WHEN TH E   1ST DISPUTE LETTER WAS SENT. THE STATEME NT ABOUT  XXXX   XXXX   XXXX  NOT BEING ON MY CREDIT REPORT WHEN I SENT IN THE DISPUTE WAS A TOTAL LIE, I RECEIVED NOTIFICATION FROM   XXXX    XXXX  AND I HAD PULLED MY CREDIT REPORT SO IT WAS THERE, IT WAS JUST NOT MADE UP AND SHE STATED THAT SHE COULD DISPUTE IT FOR ME NOW ON     XXXX  2017   MEANWHILE SHE DID STATE THAT SHE SEE THE DISPUTE THAT I SENT IN ON     XX/XX/XXXX /2017 B UT REFUSED TO DELETE THE ITEMS OFF MY CREDIT REPORT, TRANSITION DROPPED THE BALL NOT ME, THERE WERE   XXXX   ACCOUNTS ON THERE FROM  XXXX   XXXX  AND I GAVE THEM ENOUGH TIME TO VERIFY THE ACCOUNTS BUT THEY HAVE NOT DONE ANYTHING.

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 2021-11-28
Company: PNC Bank N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX/XXXX/2021, I, the consumer, received notification that the XXXX XXXX XXXX XXXX XXXX executed two unauthorized electronic funds transfer for {$32.00} and {$0.00} via my PNC debit card. I received no benefit from the transaction. I contacted PNC Bank to dispute these transactions on XX/XX//2021 but to date, I have only received a refund for the transaction of {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: WELLS FARGO & COMPANY
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
For the past several years, my Social Security monthly benefit payments have been transferred into my checking account at Wells Fargo Bank on the XXXX  Wednesday of each month. This was done per Social Security Policy. As of today, the payment schedule remains their policy with respect to my monthly payments. 
Recently, under a new service called " Early Pay Day '' Wells Fargo notified me, in writing, that my Social Security deposit would be available two days earlier than the usual XXXX Wednesday of the month. 
I have banking and financial analysis experience and am a CPA ( Inactive license ). I am concerned that this " Early Pay Day '' is nothing other than a short term loan from Wells Fargo for which they collect interest. 
Alternately, I am concerned that, for reasons for their own, Wells Fargo is artificially inflating my deposits on had for the sake of their financial statement presentations. With over 85 million customers this could be a huge misleading effort. Based on the news of the past few years, this would not be the first time Wells Fargo has pulled such a stunt. 
If Social Security has not changed their cash availability date, how is Wells Fargo able to make the payment available? As of this morning, my monthly payment shows on my Wells Fargo web site account as " Pending Deposit. '' Yet the Wells Fargo representative I spoke with assured me the cash was available when it appeared yesterday, two days early. 
Based on their past history of fraudulent activity, I am concerned that Wells Fargo may be trying to perpetuate another scam. Please advise.

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 2022-04-07
Company: Advanced Resolution Services Inc.
State: MA
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 disputed by certified mail on XX/XX/2022, XX/XX/2022, and XX/XX/2022 this bankruptcy with the case number XXXX because Advanced Resolution Services is reporting inaccurate information because this bankruptcy is not mine because it is not my correct name, my full social security number or my full date of birth so, I am attaching my Social Security Card picture showing my correct first name and last name because it is different from your documents. ARS you must remove or delete this bankruptcy immediately because you have wrongfully mixed my name with some else information. 

You responded to me on XX/XX/2022, XX/XX/2022, and XX/XX/2022 file # XXXX did not fix or deleted this false reporting on my bankruptcy because you did not investigate 100 % so, please delete or remove this bankruptcy immediately. 

I attached 6 supporting documents including my identification and the US postal service tracking numbers please check.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Franklin Collection Service, Inc.
State: AL
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 discovered accounts on my credit report that I do not recognize, These accounts do not belong to me. I have discovered that I am a victim of several breaches and identity theft. Someone has used my information and I have no idea who has done this. I want the accounts removed immediately! These fraudulent accounts are interfering with my credit worthiness and ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2017-12-20
Company: Southern Loans, Inc.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
My payment is due by the XX/XX/XXXX of each month. Realizing I could not make the payment this month, I called XXXX ( XXXX ) XXXX, to let her know that I 'd make a double payment next month. This is the first payment I missed. I called XX/XX/XXXX. It 's XX/XX/XXXX and I 've had over 5 calls. 3 just this morning. They are calling my mothers phone yelling out XXXX and hanging up. My mom calls back to find out who they are and it was Southern Loans. It 's childish and Inc all for especially since I called them. In return they started calling me the next day as if my situation would change.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Today, XX/XX/2023, my account was closed with no notification and alert. I have all my money in my saving account, and I am an XXXX XXXX with no any pay off. How can I survive in this urban city, with XXXX  money in my account. And I still need to pay my rent, my credit card debt. I have been used XXXX  XXXX XXXX for my whole XXXX XXXX XXXX XXXX XXXX, which is about 9 years. And I kept perfect credit, and never been have had this happened. It is unfair for consumer to face this situation with no prediction. You can suspect my account, but you should have checked, at least verify with me about the truth of your suspicion. 
I have to mention that I received NO emails, notifications, alerts about " fraud report ''. I am even open to background check about my statement, that is why I am writing this complaint. Because I can prove all my transaction and they are transparent and clean. They can not take all my money, add on to that, money for survival as an XXXX XXXX, just because they want to lock my account. Also, when I log in to online banking, they even did not show up any words about my account is closed or locked. 
Even I called the associate, they did not provide any reasons, and said, " rely to the policy, they can close my account with no reason in anytime. ". I would say it works for someone really needs to be checked, but for me, a XXXX XXXX XXXX, and I did not graduated yet from my XXXX XXXX, why would they even suspect my account and close it with no reason. I called for an hour to make this thing process, and being transferred back and force. 
I really hope you can take this seriously.

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 2017-05-04
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In response to complaint :  XXXX  FAIR COLLECTIONS & O ACCOUNT NUMBERs :  XXXX   XXXX / XXXX / XXXX   XXXX   XXXX   XXXX  FL  XXXX ,  XXXX , CA  XXXX  Phone :  XXXX  Fax number :  XXXX  Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act  Section 611 [ 15 USC 1681I ]. You  have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify FAIR COLLECTIONS & O or any company associate with this account #  XXXX  and tell them the debt is the result of identity theft. I have enclosed a copy of the  Federal Trade Commissions police report Notice to Furnishers of Information. It explains y our responsibilities under the Fair Credit Reporting Act  ( FCRA ). The FC RA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commissio n FAIR COLLECTIONS & O acc #   XXXX  or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.   Sincerely,  XXXX ,  XXXX   XXXX    XXXX   XXXX   #  XXXX  DOB  XXXX / XXXX / XXXX  ADDRESS  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , FL  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