BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-15
Company: Harris & Harris, Ltd.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
We often receive calls from Harris & Harris, a company that identifies themselves as a debt collector from number ( XXXX ) XXXX. When they leave a message they provide the name of the company, and state that they are calling to collect a date. No additional information is provided. 

The most recent calls received are as follows, with a corresponding message left : XX/XX/XXXX at XXXX ; XX/XX/XXXX at XXXX ; XX/XX/XXXX at XXXX ; XX/XX/XXXX at XXXX ; XX/XX/XXXX at XXXX ; XX/XX/XXXX at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: WAKEFIELD & ASSOCIATES, INC.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On Wednesday XX/XX/XXXX I received a phone call stating that I had owed XXXX on one Account and {$970.00} on another medical bill account. I inform the agent that I was currently enrolled in a payment plan which was automatically drafted from my account. The agent initially had stated that there was a lapse of payment and my account somehow had gone into arrears. I was not only shocked and surprised but I was insistent upon that Ive always been on top of my credit and this was definitely mistaken. The agent said not to worry they would handle it by offering me a 12 month payment program in which I couldnt roll over the phone so I hesitantly decided to reenrole and Payment was drawn out from the exact same checking account. After I got off the phone and processed everything that has transpired, i immediately called back and asked to speak to a supervisorXXXX  XXXX ( the on duty ) assured me Not to worry and gave me an email address for me to send correspondence to which would explain that in fact I was already enrolled in a payment plan -which in fact was current and in affect from XX/XX/XXXX until XXXX. My payments were NEVER IN ARREARS nor was any payment attempted in XXXX and found insufficient .I never received any written email, letter or call stating payment wasnt applied rather Wake Associates called me and INNACCURATELY REPORTED my file to XXXX  and put accounts in collections. This is not ok and when I called backYesterday I was told by XXXX XXXX that they were doing a manual deletion and not to worry. I have saved all of my written correspondence with my outline emails and have proof of my phone calls. I am 100 % certain that this was an error and I would like for this to immediately be resolved and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: JPMORGAN CHASE & CO.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
InXX/XX/XXXX I found out that chase bank paid taxes on my property there was XXXX past due. The reason for that I have had XX/XX/XXXX3 times missed work and was off on XXXX. My house payment had been made every month. My house payment was XXXX dollars They not only pans the XXXX past due they also paid XXXXfor the following year. My house pay went up to XXXX a month. I have not been able to get a list of charges. I paid a lot of money trying to get out of that higher house payment. I have a account at chase bank the only thing I use it for is my house payment. I have a retirement check that goes in there once a month for XXXX dollars. Its been a nightmare dealing with these guys. They would take the money I put in there and put it on the escrow money owed with out paying the My hour payment. There was a mix up with my XX/XX/XXXXmoney it did get put into the account for a few months. I went to mediation chase wouldnt remove any of the charges they also raised the amount owed on my house. They didnt have any information on the charges. All of this has cost me a lot of money. This was covid related I ask him about why he had pay those taxes. He said to protect his interests. There is at least XXXX in equity. I believe his interests were just fine. I believe it was totally wrong what they did they have put a lot of pressure on me and Im still under a XX/XX/XXXX for XX/XX/XXXX. I would like them to refund some of my money. I know chase back received billions from covid relief that was tax payer money it wouldnt have cost them nothing to let it ride for a few months until I catch up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Account shows account balance and reports as fraudulent account. I never had a balance or was fraudulent. please fix.

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 2019-10-07
Company: FIRST NATIONAL BANK OF OMAHA
State: GA
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:
FNBO Beware. I opened the credit card account after being marketed by FNBO/XXXX XXXX endlessly following the recent purchase of our 2019 XXXX. After 6 months of not using the card, I made a few purchases and kept my utilization around 30 % of my {$8500.00} limit. I logged into their system and created an auto payment ( direct debit ) from my checking account ( XXXX XXXX ). FNBO charged me a late payment fee and a bad payment fee {$26.00} and {$35.00} respectfully. I called and they found an extra duplicative digit in the checking account number. They reversed one fee and left the second. FNBO then triggered a reduction in my credit limit resulting in a reportable event to the credit bureaus show I had suddenly utilized 94 % of the current balance, causing a cascading effect on my FICO scores. No one on the call stated this simple typo error would cause so much impact. I sent them a payoff for the total due today and never want to be their customer again. FNBO is acting predatory to cardholders. They are impacting a lot of consumers with much less means than i am fortunate enough to have. FNBO is charging fees for their own systems failings.

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 2021-03-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX I was contacted by Bank America fraud department from texting number XXXX about 3 transactions at XXXX on my credit card. I replied to the text stating that I did not make those transactions immediately and followed their instructions to give them a call to protect my credit account. The card number was immediately closed and a fraud claim was filed for 3 transactions that totaled XXXX. Then I received a letter dated XX/XX/XXXX stating that they were denying my claim because " it is consistent with my account history ''. I have made 4 real purchases at XXXX during the whole of year XXXX not 3 purchases for the exact same amount on any specific day. I called again to dispute this claim again. Then I received a letter dated XX/XX/XXXX that once again denied my claim. This time the reasoning provided was that they confirmed that " While you personally didn't make the charge ( s ), we confirmed it was made by an authorized user on the account or someone who permission to use the card ''. This is not true so I called again and requested to learn how they were able to confirm this and requested that they once again reopen the investigation and provide me with the evidence that they have that proves I made these purchases. Then I received two additional letters both dated XX/XX/XXXX. The first one said that " You requested the documents we used to resolve your claim, but unfortunately there aren't any to send you. '' The second letter once again told me my claim was being denied " Based on your account history, this charge is consistent with the previous charges with this merchant. I am very frustrated because Bank of America was the ones who initially were able to determine that these charges were suspicious when they sent me those text back on XXXX and reached out to me to confirm them and I confirmed that they were fraudulent. But now they are try to claim I did make these charges but won't share there evidence with me other than stating I have a history with this vendor. I like most Americans have shopped at XXXX however 4 times is not like I have a strong history with them. I have a really hard time proving I didn't do something and they have not shared anything with me that would prove or even provide any evidence that I made these purchases and initially on XX/XX/XXXX Bank of America had reasons to believe that these were not my purchases. I would like Bank of America to resolve these fraudulent transactions in my favor.

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 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A credit card was opened fraudulently on XX/XX/XXXX, I do not know by whom. I have made a dispute with transunion as of today ( XX/XX/XXXX ). Some places the card was used at were XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XX/XX/XXXX corner store. I have no idea who could have done this but this needs to be removed from my credit report because I have not opened a credit card with XXXX XXXX XXXX. They have used an address here in XXXX XXXX which is XXXX XXXX XXXX, XXXX XXXX, TX 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 2019-05-24
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I had my chase account hacked and a {$1000.00} payment was sent thru XXXX to someone I have no idea about. Chase initially helped me with it, but they denied the claim for citing 3 reasons ( no password change, device had logged in multiple times and IP was local-but it was not my computers ip ). 

As this is clearly FRAUD I should be 100 % covered, but they state that there is no appeal to their investigation ... no matter how flawed it may be. 

I see a LOT of fraud stores about XXXX, you would think that the banks would be smart enough to prevent fraud like this or have some sort of a safeguard in place. If not they should refund any stolen $ 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 tried to request a deletion to my negative accounts on my credit report its been 7 years, they havent processed it yet, one of the account been paid off they updated the account as paid less than full balanced wish is falls information. 

1 XXXX XXXXXXXX XXXX XXXX been charged off 2 - XXXX XXXX XXXX been paid 3 - XXXX 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 non-monetary relief
Consumer complaint received 2021-03-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In latter XX/XX/2020 I signed up with XXXX XXXX XXXX to help with my credit to repair it. They are doing an excellent job on removing items from my credit report. I do not have a complaint with them at all they are doing an excellent job. In latter XX/XX/2020 I felt things were at a standstill and I called PORTFOLIO RECOVERY about two of my bills that they have in their collections office. The accounts are XXXX XXXX account ending XXXX and XXXX 's last four ending XXXX. Both of these accounts are going to be three years old in XXXX. I called them to notify them that the cards were stolen out of my car and that I had a police report but they said there was nothing they could do. Right after that they added {$220.00} to the account and then they put it back on my credit report via the three bureaus. My credit score went down eighty-nine points. My question is how can you add {$220.00} to an account that is charged off and closed with XXXX XXXX but they added this amount like it was a brand new transaction. I have tried to dispute with all credit bureaus but they will not budge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: Chime Financial Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
On XXXX-XXXX 2021 my account from Chime bank was hacked and my identity was compromised including funds linked to my credit union bank. Perpetrators used my account changed my email address and tried to transfer funds to an email account. Was able to get back my email address and close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
LoanCare has not provided a lien release on our home. The funds were wired from our XXXX XXXX   account on XX/XX/XXXX. I did not realize release had not been done until early XX/XX/XXXX when my wife and I was in the middle of another business tranaction. This has caused that process to be stopped until this gets resolved. My first call to LoanCare was on XXXX at which time I was told by servicer it would be resolved within 3 business days. I checked with county recorder website on XXXX and release had not been done. I called back immediately on the same day and was told it would now be escalated and an e-mail sent. The e-mail stated I would be contacted in 3 business days. This did not occur. I called again on the XXXX and servicer including manager told me it would be done in one more business day and I would receive a call with update. That again did not occur. I called today XXXX and was told again they had no further information. I asked to speak with manager and I am still on hold ( 20 min ) Every time I call in, which requires me to provide my loan number I am informed I have a {$0.00} loan balance. I can not complete my current transaction until this is resolved. I just spoke with manager, XXXX and was told each time I call it goes to the company 's escalation team and their lien release department was informed on XXXX. Manger told me lien release department does not accept phone calls, there is nothing else I can do. 
The quality and professionalism I have received is unacceptable and I am asking for your intervention. 
Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: Hayt Hayt & Landau, P.L. (FL)
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/2021 this company XXXX XXXX contacted me stating that i owed an account that was taken to court and tried to sue me on legal action. This company stated that they took action and hired a lawyer by the name of XXXX XXXX XXXX lawyers, they also stated that a judgement was granted in their favor against me during a time where i was not notified and during a time where the courts were closed due to the pandemic ( covid-19 ). Their was not an option for me to present a case nor a notification was presented towards me. They performed an illegal action due to the courts being closed. They also were threatening me against legal action if i do not pay immediately. They stated if i do not pay {$6300.00} that they will pursue other actions against 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 2021-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I did NOT ask to apply for this card from XXXX/XXXX XXXX XXXX XXXX. However, I was approved for the card on XX/XX/2021. I immediately called the card company on XX/XX/2021, from the XXXX XXXX XXXX that processed the application ( in XXXX, Texas ) -against my wishes and instructions -- to have the application/approval cancelled and also removed from any entry/notation on my credit report. After calling twice that same day, I was told by the 2nd Customer service person I spoke with that it would BOTH be closed as well as removed from my credit history and report. 

However, although, the account has now been closed ( due to yet a 3rd call on the next day ). 

But, the credit account was created and is STILL listed on my credit report although I NEVER requested or authorized this action.

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 2022-02-19
Company: Credit Card Acquisitions Group
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The phone calls began on XX/XX/XXXX. They were repeated calls coming from a Ohio number and even on XXXX of them I told them to stop calling. They also have been sending text messages to mother concerning a debt that is over XXXX XXXX XXXX. I have started a dispute with XXXX of the credit bureaus and am sending a letter to the creditors as well. They treating me with garnishing my XXXX XXXX and also XXXX  XXXX on my accounts. They are also telling me of a civil judgment that was supposedly done XXXX years ago which I was not summoned for. I believe this is an illegal way to try to collect on a debt that has reached its statute of limitations. Also looking into the original creditors there were investigations and lawsuits back in XXXX for illegal collections and civil judgements for service members not living in the state. The CFPB were the ones who conducted the investigations against the XXXX XXXX in XXXX XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX was previously servicing my student loans from XXXX. The original loan date was XX/XX/XXXX, original amount was {$11000.00} and {$11000.00}. I have requested several times to XXXX and all 3 credit reporting Bureaus to correct inaccurate information on my credit report. The loans are no longer serviced by XXXX, every month from XX/XX/XXXX thru Present Interest is being added to the loans in violation of the CARE ACT for 0 % interest until XX/XX/XXXX. XXXX is showing 29 late payments on my credit report that is negatively affecting my credit rating. The Open date is incorrect on all XXXX of my credit reports it should state these loans were opened in XX/XX/XXXX. I have requested the validation of these loans and the breakdown of the current amounts of {$33000.00} and & {$24000.00}. The loans were transferred to another servicing company which is also reporting on my credit report and it show that I owe Double the amount because the loans are showing owed to 2 different loan servicing companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: JPMORGAN CHASE & CO.
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:
Upon checking my credit report, I noticed Chase listed erroneous, inaccurate items on it. On XX/XX/2021, I mailed Chase to dispute the items and requested proof ( a consumer contract ), under FACTA, that the alleged accounts belong to me to which Chase responded by stating it was unable to process my dispute because I did not give complete account numbers. Then, Chase responded to me, after initially stating it could not respond, by stating that the information is accurate, without sending me proof. I reminded. Chase that it has to send me proof under law. On XX/XX/2021 I mailed Chase Bank a second letter, this time with complete account numbers as it requested. Chase then mailed me another response stating the accounts are accurate, WITHOUT sending me proof that the accounts belong to me. In recent mail correspondence with Chase on XX/XX/2021, Chase stated that I did not provide enough information for them to conduct an investigation. The attached letters below show that I complied with their request to provide full account numbers in my 2nd round of letters sent to them. Chase is being negligent in its investigation and has illegally placed items on my credit file. Chase refuses to send me proof of the alleged debt after TWO requests. Not only has Chase, placed erroneous credit card information on my credit file, it also, according to XXXX, reported an inaccurate address on my file as well, ending in XXXX Attached are the letters I have sent to Chase.

Company response to consumer: Closed with explanation