BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I received a credit card from Chase ( labeled as XXXX rewards XXXX ), without ever applying for it. After calling chase, to inquire about what was going on, they rushed to cancel it without providing me any feedback on what has actually happened. They also did not give me the option to keep the account and re-issue another card ( I figured the harm was done and my credit score was already hit, why not keep the card ). After seeing I can not get the information I was expecting from the customer service on the phone ( as I was worried about identity theft ), I had to make a visit to their branch and was given the contact of the " Fraud Specialist '' who was working on my case. 

Talking to her, I realized how uninformed she was on doing her job. She claimed " hackers '' were able to obtain my information such as email and mother 's maiden name to apply for the credit card and take advantage of saving XXXX dollars in XXXX. The only way that I could see this happening, is one should be able to get my XXXX user/pass ( as the XXXX account has been working before and after this event and I did n't see any fraudulent activity ), then apply to that credit card on my behalf, and most probably be forwarded to the chase web site where he/she should have answered some credit-related identity questions ( credit report does not include anybody 's email or mother 's maiden name ). That is a large amount of private information ( XXXX user/pass and correct answers to credit-related identity questions ) and if the hackers had access to them, they could have done a lot more harm than just saving XXXX dollars in XXXX. I have had a credit monitoring service since that time and have not seen any problem in my XXXX account and/or credit report. I also need to add that I am quite well-versed in IT security and computers ( I am a XXXX myself with experience cryptography ). So the possibility of somebody hacking into my computer is negligible to none. 

Searching internet, I found a lot of other people in my shoes ( and sometimes a large group of people, check http : //optometrytimes.modernmedicine.com/optometrytimes/news/developing-story-ods-targeted-credit-fraud for example ), to me it looks like there is a loophole between XXXX and Chase, that hackers have been trying to take advantage by bypassing the XXXX account login and Chase credit-related identity questions. Hopefully there are more experts in chase handling similar cases and they are more experienced on these topics than the one I interacted with. 

Finally, I was told that the credit inquiry from XXXX will be removed from my report in XXXX days. The above happened in XX/XX/XXXX and XXXX months later ( XX/XX/XXXX ) I can still see the credit pull. I want that entry to be removed from my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: SUNTRUST BANKS, INC.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have had several bank accounts with XXXX XXXX XXXX and Suntrust Bank, I am on XXXX so things are tight for me and I get overdrafts sometimes. I get my check once a month, they would sometimes not pay something or let go through just to apply XXXX or XXXX overdraft charges, you get a overdraft charge of XXXX, a nsf fee of XXXX and an extended overdraft charge fee once a week for as long as overdrafted. The accounts become overdrafted and you ca n't pay back so they close the account, and show overdrafted your checking and your savings, they have yet to explain to me how you overdraft a savings account. The savings account is to help keep from overdrafts if you have money in it. Once the account is closed the negativity is showing in both savings and checking and when go to pay it they make you pay the savings and checking so you pay twice for the overdraft fees and whatever is paid through the checking account. The savings account should not go into negative as there is nothing taken out of it. I do n't think it is right to have to pay XXXX accounts when only the checking account has over drafts and payments coming out of it.

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 2023-11-21
Company: Peer Advisors, LLC
State: NJ
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage
Sub-issue: Closing disclosure or other related disclosures

Complaint:
To whom it may concern : RE : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, remainder beneficiaries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FHA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  After submitting the first complaint to the CFPB, I spoke with XXXX XXXX XXXX Compu-Link who has been made fully aware that both the counseling certificates and the origination documents for the reverse mortgage of the property do in fact have forged signatures by multiple remaindermen, one being my late mother, XXXX XXXX XXXX XXXX XXXX, my fathers attorney XXXX XXXX formally requested ALL origination documents, counseling certificates and inspection ledgers, as well as other items, from Compu-Link. This still has not happened. 

XXXX XXXX informed me over a phone call that my father 's lawyer XXXX XXXX would be receiving a call from Compu-Links  supervisor by the name of XXXX within a weeks time. This was 3 months ago. This still has not happened. 

After months of false promises from Compu-Link. I am formally requesting this predatory reverse mortgage be entirely extinguished to a XXXX balance along with the free and clear deed be sent overnight to XXXX XXXX, by Friday XXXX XXXX XXXX 

This situation has been and continues to become increasingly damaging for my family in multiple ways. 

Our intention is to file suit, unless this reverse mortgage is entirely extinguished and the deed sent to my father 's attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: TX
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:
Ive been trying to dispute several times on these accounts on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$270.00}, XXXX XXXX Balance : {$990.00}, XXXX XXXX Balance : {$480.00}, XXXX XXXX Balance : {$660.00}, XXXX XXXX Balance : {$200.00}, XXXX XXXX Balance : {$180.00}

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 2016-06-22
Company: NAM National Arbitration and Mediation
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
The number that called is XXXX XXXX XXXX. They told me that I owed XXXX XXXX XXXX and wanted me to settle my debts I said yes because I wanted to get it over with. They processed payment two weeks after our agreed date and did it twice. Now I am trying to call the number they called me and it goes directly goes to voicemail. I have tried looking for this ADR arbitration and mediation company but no luck so far.

Company response to consumer: Untimely response
Consumer complaint received 2016-11-17
Company: IMPERIAL CREDIT SYSTEMS, INC.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
XXXX XXXX called my job togs my boss they were on their way to pick me up to take me to jail. Caused a huge scene and nearly coast me my job all for a charge that was't mine.

Company response to consumer: Untimely response
Consumer complaint received 2021-03-15
Company: Experian Information Solutions Inc.
State: NY
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've sent requests of proof of this debt, contract information of who open account with no response. They have no contract or proof, XXXX XXXX has been adding payments on this account as well, false reporting of account activity. 

XXXX XXXX Date open : XX/XX/2014 Amount : {$15000.00} Past due : {$13000.00}

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 2022-10-05
Company: TrueAccord Corp.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XX/XX/XXXX A " XXXX XXXX '' called and my son regarding case number XXXX and threated to go to my place of work to arrest me. They used my married name. There is nothing in my credit report that applies to the debt they are claiming. I don't know what it is regarding. I was contacted on XXXX with a similar call and no threats. The company was XXXX XXXX XXXX over a debt from XXXX in XXXX. I have never had anything in collections from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
This is a complaint towards XXXX and XXXX XXXX XXXX. She visited my workplace to inform me that she needed my information for reference and to use my checking account to deduct the first payment since my brother who was requesting the car loan did not have one. The rest was going to be paid by him. I asked various times if this was going to impact my credit and she said NO. I informed her that my credit CAN NOT BE USED for the car loan and she repeated that it was not going to be touched. When I went to get a loan to fix my house I noticed that my credit was impacted and I called her and also spoke with her supervisor XXXX XXXX and they told me it was too late and that they could not help me. They used me to help close a car loan without informing me correctly and I did not authorize it.

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 2017-04-04
Company: WELLS FARGO & COMPANY
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Wells Fargo switched around their monthly statements to exclude activity I do every month ( XXXX debit transactions ) on the same day and then charged me a service fee. They are refusing to refund me the {$10.00}. I suspect this is widespread. They purposefully make statements on odd dates that do not coincide with calendar months and change the statement time periods to trick consumers.

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 2015-08-03
Company: First American Solutions, LLC
State: TX
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
Requested original lender ( XXXX ) to stop drafting funds from my account at the end of XXXX XXXX, as I lost my job and I wanted to create a payment arrangement. They said they could n't do anything until I missed a payment. I called my bank who placed a stop payment for anything being withdrawn by XXXX. I thought I had paid this bill in early XXXX. On XXXX XXXX, XXXX I was contacted by First American Solutions LLC and told I owed money for this dept. I stated that I did n't have the money to pay this and that I was n't sure it was my debt ( again I thought I had paid it ). I asked for proof they said they would send it. I also asked if I agreed to pay a smaller amount ( XXXX ) in two weeks to just make it go away if they could work with me. They said to call back but until I could call back to avoid the processor ( whom never came ) and on XXXX XXXX ( 4 days after I spoke with someone ) they drafted XXXX from my bank account. Without authorization. I had my bank immediately reverse the charge. I have proof of this withdrawl in the form of a copy of the electronic check submitted to my bank. 

I also sent a letter to XXXX XXXX XXXX on XXXX XXXX requesting proof of this debt or removal of this item from my credit report and for them to cease and disist contacting me regarding this debt if they could not or would not provide me with the information requested. ( I have a copy of the letter but have moved and it 's boxed up someplace ). 

They also contacted me around XXXX of XXXX as well but I did not answer and never received anything from the " Processor '' that threatened to stop by my house or place of business ( I work from home so if they came by I would know ) Last week I received a call from First American Solutions LLC again requesting payment I told them everything that happened two years ago and about the letter I sent in XXXX. The mans response to me was something along the lines of we would n't withdraw money from your account we do n't do that but if we did it 's perfectly legal. He also stated they sent proof 2 years ago, I said I did n't receive it and requested the information again and even gave him my email address. I have not received anything via email or mail since he contacted me mid last week.

Company response to consumer: Untimely response
Consumer complaint received 2023-11-16
Company: Penn Credit Corporation
State: GA
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:
I XXXX XXXX : I hereby submit a formal complaint against XXXX AND XXXX FOR discrimination, retaliation, bank fraud, wire fraud, and violations of the XXXX Act, infringing upon my rights under the Equal Credit Opportunity Act ( ECOA ), the Fair Credit Reporting Act ( FCRA ), and other pertinent federal laws. III. Active Complaints with FBI, FTC, and CFPB : This grievance is not isolated. The FBI, FTC, and CFPB have active complaints regarding similar issues with XXXX, highlighting a pattern of potentially illegal practices by the company. IV. Allegations of Bank Fraud, Wire Fraud, and XXXX Violations : Bank Fraud : I have reasons to believe that XXXX AND XXXX has knowingly engaged in deceptive practices to defraud banks or other financial institutions, which is a violation of 18 U.S.C. 1344. Wire Fraud : XXXX AND XXXX is suspected of using interstate wire communications to defraud consumers, violating 18 U.S.C. 1343. Their actions have not only harmed my financial standing but have also illegally profited by using deceptive practices. XXXX Violations : XXXX AND XXXX actions suggest a pattern of racketeering activity. By accepting financial incentives for reporting, they may be in violation of the Racketeer Influenced and Corrupt Organizations ( XXXX ) Act, specifically 18 U.S.C. 1961-1968. V. XXXX Discrimination : XXXX AND XXXX has not only failed to unlock my credit report despite numerous requests but also appears to be discriminating against me based on my race, violating the ECOA. VI. Retaliation : Their refusal to address previous complaints and unlock my credit report seems retaliatory for filing federal complaints, violating principles of fairness and justice. VII. Discrepancies with Other Credit Bureaus : Other credit bureaus, namely PENN CREDIT, have adhered to federal laws by deleting inaccurate information from my credit reports. XXXX  AND XXXX refusal to do the same raises serious concerns about their practices. VIII. Legal Action : If these issues remain unaddressed, I intend to escalate this matter legally, seeking remedies for the harm inflicted upon me due to racial discrimination, bank fraud, wire fraud, and XXXX violations. IX. Conclusion : I urge the CFPB and DOJ to investigate these serious allegations against XXXX AND XXXX. Their practices have caused significant harm and warrant thorough examination and intervention by your esteemed agencies. I anticipate your prompt attention to this grave matter. I CANT BUY A HOUSE IM NOW HOMELESS BECAUSE I CANT experience MY CREDIT BECAUSE THEY ARE REPORTING NEGATIVE ACCOUNTS THAT ARE NOT MINES

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is so uncertain. I've submitted this complaint 4 times already & CFPB & TRANSUNION are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, I'm beyond annoyed. The following accounts listed below were opened due to identity theft. I've provided you ( CFPB ) & TRANSUNION with an affidavit & FTC fraudulent report to support my position. It seems TRANSUNION is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like these accounts blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see this matter is handled. I'd like the accounts removed/blocked per 605b with the attached documents again... Thanks XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-06-30
Company: REGIONS FINANCIAL CORPORATION
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Unexpected or other fees

Complaint:
I was charged an unnecessary fee to cash a regions check at a regions bank. The check was a business check against a regions account and was presented for payment at a regions branch in person. I was told the fee served no other purpose than to incentivize customers to open a new account.

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 2017-03-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
i applied for a loan mod, was approved for it and because of misinformation, delays and various other reasons manufactured by chase home loans, have been cancelled and now they say i have to resubmit all the paperwork again or lose my home. all this is over a notarized signature that chase claims is either executed incorrectly or nonexistent. I have spoken to numerous individuals and have been given incorrect instructions on what to send, do and now am at my wits end. they refuse to honor the modification. they said i have to start from scratch and will not assure that the terms of my modification will remain the same even though the delays were of their making. I was told that a modification packet was delivered with a time frame and that i did not return it. this is news to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: The Bureaus, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
In XX/XX/2016 I was a victim of Identity theft. Once I found out about this I filed the proper complaints with the FTC notified XXXX of the ID theft. I provided them with the reports and they closed the account. They then sold the account to this company who is now refusing to provide a dunning letter, accept my ID theft report or even validate the alleged debt after sent a letter demanding validation. The statutory time frame for validation is 30 days that has passed and no response. There answer to me over the phone is that they do n't have to validate anything, your not a lawyer you do n't know what your talking about and then offer me to settle the debt for pennies on the dollar. I have stressed to them that this is not mine and they do not care. They said XXXX would not have placed it with them if it was not my debt. I sent a do not call letter and they still call. I sent a debt validation letter that they ignore.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
My credit report indicates I owe XXXX XXXX  a {$350.00} payment for past due charges. I have not had an account with any rv provider in over 4 years. This is not 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 2017-04-03
Company: SYNCHRONY FINANCIAL
State: CT
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Synchrony Bank Credit Card withdrew {$3800.00} dollars from my bank account, rather than {$38.00}, as they were authorized. When I contacted Synchony, I was told they did not make the withdrawal, a third party did, on their behalf and that I would have to call back in 2 to 5 days to get my money back. They also told me they do not have a complaints or compliance department.

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