BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-14
Company: JPMORGAN CHASE & CO.
State: CA
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:
Background : Have had a long history of on-time / full payments on my credit card with Chase. Have autopay set up through Chase, such that they pull out the full balance/any payment required each month.

... ... ....

Due to COVID-19, stay-at-home orders, and the general reduction in travel, I had received cancellations and merchant refunds due to travel ( e.g. hotel reservations, race registration fees ) and other cancellations ( e.g. home mortgage appraisal, elective medical testing ). While I still used my card as normal for everyday purchases ( e.g. coffee, grocery, etc. ) - the size of these refunds resulted in a *net credit in my account* for a few months. Chase also didn't transfer the credit back to my bank account but kept it as a negative value as outstanding transactions. 
... ... .... 
I assumed the credit / autopay would be fine with keeping the card in good standing, but then Chase cancelled it. The reason for the cancellation was that payments weren't made, even though 1 ] Merchant credits more than accounted for the charges and 2 ] I had Chase 's autopay system set up ... which didn't draw any payments and then penalized myself for using this system.

... ... ....

I called Chase to learn more and resolve - while most of the reps/managers on the phone could empathize with the situation and agree it doesn't make intuitive sense, there was nothing that could be undone re : the account closure. I had asked to either a ) reopen the account or b ) refund the a pro-rated version of the card 's annual which was charged just 2 months earlier. Unfortunately, there were  unable to open the card given it was " a bank closure and out of my hands '' and I was still charged a full year 's annual fee even though Chase didn't allow me to use the card for the year.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-14
Company: Experian Information Solutions Inc.
State: FL
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 INFORMATION WAS USED TO OPEN THIS FRAUDULENT LEASE ACCOUNT THAT I DID NOT OPEN SOMEONE USED MY INFORMATION TO OPEN THIS LEASE I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2022-12-19
Company: Experian Information Solutions Inc.
State: MO
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX Balance : {$1200.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$600.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$650.00} ; XXXX XXXX Balance : {$960.00} ; XXXX  XXXX Balance : {$100.00} ; XXXX XXXXXXXX Balance : {$500.00} ; XXXX XXXX Balance : {$980.00} ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2020-09-14
Company: EQUIFAX, INC.
State: FL
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 INFORMATION WAS USED TO OPEN THIS FRAUDULENT LEASE ACCOUNT THAT I DID NOT OPEN SOMEONE USED MY INFORMATION TO OPEN THIS LEASE I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). XXXXThey have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This account should have been closed and charged off in my bankruptcy back in XXXX. This is still showing a charge off for XXXX on my current credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: J&D Recovery, Inc.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
The first occurrence was on XX/XX/XXXX. Part of this was bad timing ; however while I was at a doctors appointment my father called my frantic. He said that someone tried calling him looking for me. Then this same person 10 minutes later called my XXXX year old brother who is now calling my father worried. And then 10 minutes after that called my XXXX year old son. Everyone was panicked. It was horrible timing, and I told him to never call my family again. He said he got all of their information from the state of KS. 

Then the strawthe debt collector called my work twice on XX/XX/XXXX. I told them this was my work, and she kept placing me on hold. I was trying to work so I hung up. She called back and said we must have got disconnected and I told her again for the XXXX time this was my work. She became argumentative and I hung up as I was trying to work. 

Then Monday, XX/XX/XXXX, I received another call on my direct work line. I recognized the number and was on hold for around a minute when the girl got on. It was the same girl, XXXX XXXX, and I told her, AGAIN, that this was my work number and the XXXX time I have told her NOT to call me here as now it has made my office aware of my private situation. She said this is not your work number. She also said this is what the girl gave me to call. Well she did call my work, the receptionist gave her my direct desk number at work. I told her I had to get off the phone because I was working and she said I wasnt working??? 

I have the collection agency to send me documentation clear back in XXXX and have yet to receive it. I was told to go online and check it. I told them I wanted verification of the debt from them in writing. Still nothing. I have worked with collectors in the past, but never anything so vile in my life

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Here 's the body of the email received from Speedy Cash where you'll notice what I believe are numerous violations of the Fair Debt Collections Act and also what I believe are several violations of criminal law by holding himself/herself out to be a law enforcement official and an attorney at law. Everything in this email is my complaint in a nutshell : Attention, Debtor CREDITOR : Speedy Cash Group CASE NO : XXXX OUTSTANDING BALANCE {$1100.00}. 

After numerous attempts to reach you, we haven't received any payment or any positive feedback from your side, as you are not paying your seriousness on this account which means that you are trying to run away from the situation and repeating the same activity which you did before with the loan company. We tried our best to help you on this matter but you are taking this matter lightly. 

Account Status : WARRANT IS ACTIVE FOR SEARCH AND SEIZE ( Violation of the Fair Debt Collection Practices Act and Defamation of Character. ) " Debtor ( You ) has been declared as a guilty by Authorized Law Enforcement Department, Seizure Warrant has been activated under 15 USC 1692g Sec. 809 ( b ) of the FDCPA " Unless delayed notice is authorized below, you must give a copy of the warrant and a receipt for the property taken to the person from whom, or from whose premises, the property was taken, or leave the copy and receipt at the place where the property was taken. 
The officer executing this warrant, or an officer present during the execution of the warrant, must prepare as required by law and promptly return this warrant. Pursuant to 18 U.S.C. 3103a ( b ), I find that immediate notification may have an adverse result listed in 18 U.S.C. 2705 ( except for the delay of trial ), and authorize the officer executing this warrant to delay notice to the person who, or whose property, will be searched or seized.

Note : You will be contacted by your local county authorities. 
XXXX XXXX XXXX Department is closing this account and declaring as a GUILTY. 
If we will not receive any feedback from your side, then you will be the only person who will be responsible for any consequences. 
IF YOU WANT TO RESOLVE CASE OUTSIDE OF COURT, CONTACT TO RESTITUTION DEPARTMENT : - mailto : XXXX Regards, Restitution Head Department Of l Debt Settlement Confidentiality Statement & Notice : This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and intended only for the use of the individual or entity to which it is addressed. Any review, retransmission, dissemination to unauthorized persons or other use of the original message and any attachments is strictly prohibited. If you received this electronic transmission in error, please reply to the above-referenced sender about the error and permanently delete this message. Thank you for your co-operation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04
Company: EQUIFAX, INC.
State: NJ
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 contacted the bureau and creditors many times about how and why this information is on my credit report I have not business with any of these accounts. Im XXXX from XXXX XXXX. I ca n't drive and I don't apply for loans I'm on a fixed income here. please help remove this information from my credit please.They don't listen to me ever. XXXX bless XXXX XXXX XXXX Status Closed Balance {$1600.00} Type Collection Payment Status Late XXXX   XXXX XXXX Status Closed Balance {$1700.00} Type Collection Payment Status Late Do you see errors in your report? SEE OUR DISPUTE GUIDE XXXX XXXX XXXX Status Closed Balance {$0.00} Type Installment Loan Payment Status Paid XXXX XXXX XXXX Status Closed Balance {$4000.00} Type Installment Loan Payment Status Late XXXX XXXX XXXX XXXX XXXX Status Closed Balance {$16000.00} Type Installment Loan Payment Status Late XXXX XXXX XXXX XXXX Status Closed Balance {$7100.00} Type Installment Loan Payment Status Late XXXX XXXX XXXX XXXX Status Closed Balance {$0.00} Type Installment Loan Payment Status Paid

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have paid off every credit card that I have except XXXX on my XXXX  card and equifax and XXXX  are steadly droppping my credit score instead of raising it. All payments were paid before due dates and I at one time had a credit score of XXXX and its dropped stedily since even with on time payments and paying off credit early. Called equifax and they have no way to check into why is what the girl on the phone told me this morning. Their ID verification doesn't work we tried twice it wouldn't go past the loading phase. So she can't send me my up to date credit report. They can drop your credit at any time at their own disgression and we the consumer have no recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
i tried to open a bank account with bank of america online, ( i am a XXXX XXXX XXXX XXXX XXXX ) and pass all the verifications but at the end it deny me a simple checking account for no reason. see attached. when i call them they cant confirm whats the reason. can you please help a XXXX person under ADA.

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 2020-09-14
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: JPMORGAN CHASE & CO.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2022 I received an Inquiry from JPMCB Card. And I already reported it to the Credit Bureau. They had no right to pull my credit and I never applied for anything from that bank. There was no permissible purpose and is a violation of the fair credit reporting act

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-14
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 I called my previous mortgage company, NewRez/Shellpoint Mortgage to advise them I was refinancing my loan and to not make the XX/XX/2020 county tax payment. The title company for the refinancing paid the county tax payment on XX/XX/XXXX and their system would have blocked any attempt by NewRez to send a duplicate tax payment. 

On XX/XX/XXXX I received my escrow refund from NewRez/ShellPoint for just {$3600.00} which is minus the {$8600.00} tax refund. I tried resolving this issue with NewRez by calling them to ask that they research the issue on their end and to send me the missing escrow funds immediately. I was simply told their records showed the payment was made and that there was nothing I could do but file a dispute. I said, " That's why I'm calling! '' They provided me with a fax number ( who faxes anymore? ) and an email address. I have emailed them my dispute which seems unfair since I already verbally advised them of my dispute by phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: Ocwen Financial Corporation
State: SC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
PHH Mortgage is supposed to have my property taxes included in my escrow. Just like my last mortgage company that they bought me out of. Since I own a mobile home. Land, and house taxes are billed separately. The total amount is what my property taxes are, and have been for 5 years on my escrow with my last mortgage company. However they are only paying the land taxes out of my escrow and refusing to put my home taxes back on my escrow, and include it in my property taxes. This is already in my legally binding contract with the previous mortgage company that they bought me out of. I never had an issue with this for 5 years until PHH bought  me out of my mortgage with XXXX XXXX. I contacted them numerous times. Spoke to numerous " escalation '' managers. One named XXXX. He gave me his extension that he never answers and his voicemail box is always full. I get hung up on, I get excuses. But no answers as to why they removed my home taxes from my escrow account. I have never missed a mortgage payment. I'm on the verge of filing a lawsuit. I have been dealing with this for months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: AMERICAN EXPRESS COMPANY
State: CA
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 my Platinum charge card opened on XX/XX/XXXX. During that period, I am eligible to get my signup bonus for six months per temporary rules of American Express. On XX/XX/XXXX, I got my XXXX Member Rewards points because I reached the spending requirement. However, on XX/XX/XXXX, I got a notification regarding points adjustment. The notification claimed that I have refunds and they gon na remove my sign up bonus points. 

Let 's not to mention that how difficult these days we are not sure about our travel schedule. Therefore travel cancellation happens all the time. Even I cancelled my trip, I still met the spending requirement by XX/XX/XXXX - the deadline to reach spending requirement. I tried to call but they don't give it a XXXX. They always claim that after review, I am not eligible to get my sign-up bonus. 

I just wonder if Amex is trying to fraud their clients or potential clients. " If you have a refund during your first several months, you will fail to get sign-up bonus. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Amount : XXXX USD Payment ID : XXXX Description : Credit balance refund Reason for Refund : Credit balance refund Refund From : Chase Card Services This is the result of an ongoing CFPB case. 
This was the result of null and voiding a check sent to an address i can not access. They are trying again because this email that is meant to confirm the ACH deposit, or else a check will be sent is requiring me to make a new account. The email sent is the second attempt according to chase, and it arrived finally at XXXX this morning. This was the first as far as im concerned. The account creation is the new problem. No matter how i refine my desired password, the system wont accept it, and i can not move to the next step toward collecting my negative balance. Please punish chase ... this is upsetting, and now taking over a month, even with your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: Amsher Collection Services, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I cut the cord and terminated cable/internet services with XXXX ( XXXX XXXX XXXX XXXX ) five years ago for services not being rendered that I paid for. Three years ago XXXX XXXX XXXX XXXX  started to harass me over a {$120.00} fraudulent bill. I filed a compliant with CFPB and the harassment stopped up until recently the harassment started again by using yet another collection agency to harass me over the same fraudulent debt of {$120.00}. I am a victim of identity theft and discovered that in XX/XX/2020 AMSHER collection service filed a fraudulent claim to my credit report on behalf of XXXX XXXX XXXX XXXX once again harassing me over the {$120.00} fraudulent debit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation