BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was unfortunately a victim of a scam on XX/XX/XXXX who claimed the money was sent to supervisors representing XXXX XXXX XXXX XXXX XXXX. The amount sent from my personal account totaled {$2500.00} through XXXX on the Chase mobile app. The first transaction was sent to a XXXX XXXX XXXX for {$2000.00} and the second was to a XXXX XXXX XXXX for {$500.00}. I am attaching evidence of the transactions to the phone number the scammer provided. 

I called Chase the next afternoon with a claims specialist to report every information I could communicate on the two transactions involved in the scam including what exactly happened and what misled me to send money to scammers ( including being threatened multiple times to cut off electricity from the restaurant I own if I do not pay these scammers ), and necessary information about the recipients. 

After about a week has passed, I have received the conclusions from Chase on the claims for the two XXXX transactions. On XX/XX/XXXX, the first transaction of {$2000.00} concluded there were no faults and the transaction is considered legitimate. As for the second transaction finished and sent on XX/XX/XXXX, Chase has managed to refund me back the {$500.00} and agreed the transaction was incorrect. 
So today I just spoke with one of the claims specialists from Chase for information about the first transaction of {$2000.00} and communicated to me the same information that was written on the letter telling me there was nothing wrong and the transaction was considered authorized based on what I thought I reported last time. 

Based on the current information they told me, I think what happened on the day I reported was the {$2000.00} transaction was still pending and the {$500.00} payment already went through which was why my report could have only applied to the {$500.00} and not the {$2000.00} transaction. I attempted to make another claim through the Chase mobile app on the {$2000.00} transaction and the only button on there was to send a dispute ( which I did not think through as I thought there was an option to input my report ) which turned out to be the one the investigators looked at. 

*Other actions I have taken on that day include contacting with local police, reporting to FTC with report ( with report # XXXX which in addition I will share in one of my attachments ), deactivating my XXXX profile on Chase XXXX and changing my phone number in fear of being contacted by those scammers again

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I applied to SAVE program well over XXXX weeks ago. I was approved in XX/XX/2023, In the meantime my interests are accruing dramatically and I am going to be financially responsible due to them being understaffed and unable to handle the volume of student loan applications. The wait times for phone calls are XXXX hours and their customer service line is completely useless and have no clue how to handle or trouble shoot any issues. I qualified for the XXXX program and they changed me to forbearance which severely impacts me down the line. I would like to be placed on XXXX immediately so I can repay my loans without my balance increasing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-10-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2023-11-23
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I went over my credit report I see there are 12 of inaccuracies. Among the 3 credit agencies which are a violation to the consumer ( me ) 15 usc 1681e. 15 U.S Code 1681n I will be taking legal action against XXXX, Equifax, XXXX. For reporting inaccuracies on my report. because of this I have been denied credit. Also my credit report has gone down drastically. This is DEFAMATION.

These accounts either have different amounts different names, Or some say they are closed, while they are still opened on another report. 
These are the accounts with the inaccuracies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-12-11
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Chase United Explorer card featuring now baggage fee for card holder and 1 extra passenger if booking with the card for trips. 
I have done so and got charged twice for a round trip when I checked a bag for me and a bag for my wife. 
I have called in to ask for refund, XXXX XXXX XXXX XXXX XXXX can only do it for me for one trip but not the returning trip apparently due to the flaw in their system. The agent said she can not do it and I have to got to some website to do it self serviced. I declined to do so and insisted they should refund me but this never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: M&T BANK CORPORATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My brother died on XX/XX/2023, leaving a checking and savings account open with M & T bank in XXXX, PA, in the amount of {$1500.00}. I contacted the branch XXXX and was instructed on what were the necessary items to be provided in order to receive this money. My brother had no wife, no children, and both parents are deceased, so I am his next-of-kin. I provided a certified death certificate, a copy of the paid-in-full funeral home invoice for cremation and graveside services, and a letter of intent stating my reason for claiming my brother 's funds with my notarized signature. I can't remember the exact date that I called M & T Bank, but it was some time in the middle of XX/XX/2023. The last correspondence I received was a piece of paper requesting a notarized signature along with boxes to check stating various facts, but I disagreed with XXXX of them, so I called the branch XXXX many times to tell her this, and she refused to answer my phone calls or return my calls. Specifically, I did not want to check the box which said that I acknowledge receipt of {$1500.00} because I have not received any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: ENOVA INTERNATIONAL, INC.
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
On XX/XX/23 I got an email regarding a loan application I didnt apply for. I contacted the company and they will not provide me any information on who applied for this loan. They have a bank account on file ( XXXX XXXX XXXX XXXX XXXX  ) which is not my bank. I want the routing and account number so I can find out who applied for this loan and press charges against that person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Harris & Harris, Ltd.
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
A few weeks back, Harris & Harris , LTD called me about a debt to XXXX XXXX, one I thought I was already paying through another agency. I asked for time to sort it out. Then, a woman named XXXX XXXX with Harris & Harris contacted my husband yesterday. He was met with hostility when he asked for her to talk to me instead. She even threatened legal action. 

Today, XX/XX/23, I contacted the hospital to clarify. They confirmed that I was paying XXXX for one of their accounts and a different one was placed with Harris & Harris but that they would pull it back and allow XXXX to continue handling. 

After speaking to XXXX XXXXXXXX, I informed XXXX XXXX with Harris & Harris, but he said that they would not be taking the account back. He was extremely condescending, implying I couldn't pay the debt. I didn't appreciate it, so I responded out of character. However, I checked with XXXX XXXXXXXX, and they confirmed the company doesn't have the power to sue. The threat they made to my husband was completely false.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: I.C. System, Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My personal information was stolen 2020, authorities were contacted, and a fraud alert was placed on my credit profile. Recently I attempted to obtain a line of credit and realized that accounts that I have no affiliation or knowledge of have been placed on my credit profile. I requested account verification, and this will now be my second attempt to see why these accounts are being reported but are not mine and are a result of identity fraud. Reporting these accounts without my knowledge and consent are violating 15 USC 1681. 

Not only are these companies furnishing accounts without my consent, but are reporting Identity theft accounts, which again are in violation with the FCRA.. 
The account is : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: Resurgent Capital Services L.P.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This company is reporting that I have an open collection stating that it was open XX/XX/2022. I have asked for proof that I agreed to any said account or proof that I am the owner but have not received any proof. This is a violation of the FCRA RULES AND IS ILLEGAL AS TO THE FACT THAT U CAN NOT REPORT A COLLECTION WITHOUT PROOF OF OWNER. This account does not belong to me and should be removed as to it is damaging my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Knight Adjustment Bureau
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Knights adjustment continue to send these debts to a business XXXX XXXX that has been dissolved in the state of Utah. It is a non collectible debt. Additionally, all members of the XXXX are dissolved from the business. The debt occurred due to fraud and identity theft. Secondly, there is no itemized statement of what XXXX XXXX is being charged for and Utahs statute of limitations in regards to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: ENCORE CAPITAL GROUP INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My information with XXXX has been breached and here is the proof and the reuse to delete these accounts XXXX XXXX XXXX Account # XXXX {$13000.00} Midland Funding Account # XXXX {$710.00} Midland Funding Account # XXXX {$690.00} XXXX XXXX Account # XXXX {$430.00} XXXX XXXX Account # XXXX {$2300.00} So please delete these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Ive not had any prior issues with Capital One granted Ive only had an account for a small time now. On XX/XX/XXXX my beginning of the day available credit was {$770.00}. I went out shopping for XXXX gifts and before doing so called to tell you all of this and to see if I could do anything to pay off my balance and have my available credit adjust near instantly. The representative said that I could do a bill payment ( as Ive done before ) or wire transfer for almost instant posting. I went ahead and used my card and at the end of the shopping spree my available balance was {$67.00}. So to have this increased I went ahead and paid {$500.00} from my Capital One checking using bill pay. When I got home and was doing my budgeting I seen I had enough extra to go ahead and pay more so I paid another {$120.00} from my C1 checking bill pay. I wake up on XX/XX/XXXX to see my {$500.00} posted but not added to my available credit. I keep calling in to get answers and get a different response everytime! The most common ones is A ) the pending transactions in my account are effecting it B ) the money I used on XX/XX/05 included the {$500.00} I paid at the end of the day C ) the money is being held. As per Capital One terms of service they are legally obligated to not withhold any money that has been posted to an account from its available balance. Ive done this a few times when my available credit was low using bill pay from my Capital One checking and Ive never had my money withheld for more than 48 hours from my available credit. Not only is this wrong its illegal and shows Capital One violating their own Terms of Service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: CL Holdings LLC
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Good Morning An account from your company is appearing on my credit report. I am not aware of having any account with your company. I request that you investigate this matter and provide me with the following : A legible copy of the original signed agreement for this account, which should show my personal information, as well as my signature. 

Name and contact information of the original creditor, if this account was transferred or purchased. 

Any other documentation verifying the account is, in fact, mine. 

If you can not or will not provide me this information, then I formally request you send me a letter stating that this account does not belong to me and that it will be removed from my credit reports. 

Until this matter is cleared up, I firmly request that you stop reporting this account altogether. 

Please give this matter your prompt attention. 

Thank you so much for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Harris & Harris, Ltd.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
AN AGENT FOR XXXX CALLED ME TO MY PHONE NUMBER XXXX FROM THEIR PHONE NUMBER XXXX. THE CALLER WAS ASKING FOR A WOMAN. I DO NOT KNOW HER. I ASKED THE CALLER FOR HIS BUSINESS NAME AND ADDRESS. HE REFUSED TO GIVE ME THEIR INFORMATION. HE TOLD ME HE WOULD CALL ME BACK AND GAVE ME THE SILENT TREATMENT. WHEN I TOLD HIM I COULD HEAR HIM BREATHING HE HUNG UP ON ME. I CALLED THE NUMBER BACK AND COMPLAINED ABOUT THIS SITUATION. I SPOKE WITH XXXX AND SHE TRANSFERRED ME TO A SUPERVISOR XXXX XXXX. I LEFT HER A MESSAGE ON HER VOICEMAIL. THEY VIOLATED THE TBCC AND TCPA BY CALLING WITH THEIR ADAD AND ADTS PHONES. MY NUMBER IS REGISTERED ON THE TEXAS NO CALL LIST AND THE DNC REGISTRY. DO NOT CALL ME ANYMORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: TMX Finance LLC
State: TN
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was told the payment information would be available online when I opened my account on XXXX XXXX. This was not true. I also was not able to see the documents and just was shown boxes to sign in the store. I felt pressure to accept. I was not given information of how much my payments would be and how much was principle or interest. My minimum payments keep increasing and the terms of the loan were not transparent. I called and was informed on XXXX XXXX, that this was intended to be a XXXX  day loan but rolls over monthly. This was not clearly communicated. This feels like a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I applied to JPMorgan Chase Bank for a refund ( chargeback ) I asked for my money back in the amount of {$4900.00}. The money was transferred by me for investment in shares and was not returned at my request due to failure to provide the service. 
On XX/XX/2023 I transferred {$4900.00} from my debit account XXXX JPMorgan Chase Bank using the bank details provided to me by the broker. At this time, access to my funds is closed, my account is blocked. The withdrawal of my funds back to my bank account is blocked. The site does not respond to my repeated requests. All contacts with the company are completely disconnected from me ( telephone communications, communication via XXXX, email, access to the website ) .I am sure that my funds were stolen fraudulently according to a pre-prepared scheme. We do not intend to return the money voluntarily. 
As evidence, I recorded them through screenshots during correspondence. Email correspondence regarding refunds and requests to the site have been saved. 
From all of the above I can prove : XXXX ) The obligations to provide me with services in accordance with the terms were violated. 
XXXX ) Failure to fulfill obligations XXXX ) I independently tried to resolve the dispute through negotiations, but the holder of my funds opposed these attempts, rejected requests, and did not respond to messages.6 months later, on XX/XX/2023, XXXX XXXX called me from XXXX XXXX XXXX. He introduced himself as an employee of the US Federal Trade Commission. He said that my money is in account No. XXXX XXXX and to return them you need to transfer {$200.00}. Until this time, the account will be blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been receiving debt collection notices by email for a few months all of the sudden. I have never heard of this company before and they claim I owe them {$130.00} on a lease. I have never had a lease with this company called XXXX XXXX. So I looked it up and it is a property that my mom and I APPLIED to almost 3 years ago, whose name has been changed since then, and whom claimed we owed them application fees when we had proof that it was paid! We went back and forth with them for weeks about this and, finally, they stopped. Now, years later, I get this fraudulent collection notice. I can not dispute it with the collection agency as they require me to provide them with a unit number that my " lease '' was under but I never lived here. We applied only and ended up getting a house instead. I also have no bills that were in my name at the time of this for proof of residence as I had just moved back to NC and lived with my mom at the address these people have listed on the collection notice. They also want a copy of my DL, which I am not giving them, as well as a copy of a police report, which I don't have because up until XXXX months ago, I was under the impression that this situation was resolved as we don't owe these people a dime! I will have to attempt to find the former name of this leasing company, then search through all of my emails for the last 4 years, and hope that the old ones didn't get auto deleted from my inbox showing that the payment for the application fees went thru as well as all the emails we had with this leasing company when they tried to take the paid leasing fees out of my bank account, fraudulently, multiple times after they were paid originally.

Company response to consumer: Closed with explanation