BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-02
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My original mortgage owner filed for bankruptcy. Later, Chase said I was to pay them because they were the new owner of the debt. I went to the courthouse and ownership was not assigned to Chase. My name and the original mortgage company was on the deed. I contacted Chase about it and the sent me a letter acknowledging that they did not have Power of Attorney of my house yet they are trying to foreclose on it. I filed the paper work from the stating that at XXXX XXXX courthouse. In the meantime, I was denied at least 4 times for a modification. Now, chase has continually filed for foreclosure on my house. They want me to modify my loan with them, but I filed for bankruptcy and Chase purposefully did not reaffirm my debt then tried to foreclose because they did not reaffirm the debt. I went back to the courthouse and now Chase place an assignment on the deed, after they filed for foreclosure. In GA, assignments must be made before filing for foreclosure. I retained an attorney. He found know robo signed names on all of the assignment paperwork. My attorney no longer practices law but I do have all of my files. I do not have the money to hire another attorney, but Chase does not have nor have they ever had any legal rights to the house and are trying to force me out illegally. Also, most of this started with I applied for a mortification a few years ago. I was under trial payments, after I paid the trial payments on time, I did not receive any additional info from Chase. I called and was told to wait until I receive correspondence concerning the next steps. The next correspondence I received was when they filed for foreclosure. This has been going on for a few years. I need some type of resolution on this matter because Chase does not believe they have done anything wrong and I have already exhausted thousands of dollars trying to fight them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2022-01-11
Company: Advance America, Cash Advance Centers, Inc.
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a bill from the payday loan company Advance America on XX/XX/XXXX. I have never been to a pay day loan company nor do I need to take out a loan. I have over {$30000.00} in available credit, make over XXXX a year, and have no problem paying bills. I contacted Advance America immediately after receiving the bill that Friday to dispute via identity theft. The person who took the call stated I needed a police report. I hung up and called the XXXX XXXX XXXX XXXX and filed a police report # XXXX XXXX  : XXXX. I called back to dispute the debt and go through the Fraud department. I found out that the debt was taken out on XXXX XXXX online. The person used my SSN and DOB. Additionally I verified that the phone number they used was XXXX ( my number is XXXX ) which is an Indiana phone number. They also verified that the bank account the funds were issued to was XXXX XXXX. I have never been to a XXXX XXXX ; I have accounts with XXXX XXXXXXXX XXXX and XXXX XXXX XXXX I have relatives in Indiana and visit them every year just before XXXX to go to the pumpkin patch. My mother had someone living with her at the time named XXXX XXXX who she kicked out in XXXX. XXXX would have had access to all of my information. Advance America also stated the person used an email XXXX. My personal email is XXXX. Additionally they lied about my monthly income ( XXXX ). As an XXXX XXXX my base pay is XXXX a year, much more than XXXX. Finally, they advised me that when this happened a hard pull would have taken place on my credit reports. I checked all three, XXXX, XXXX XXXX, and XXXX and there were no credit inquires ; they just released the money. Advance America stated that they would get this taken care of and that this was obviously fraud. Yesterday, XX/XX/XXXX I received another bill with an even higher amount. Additionally it appears someone made a {$180.00} payment. This obviously has not been taken care of and I would imagine the person that sent them the check for {$180.00} is the culprit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: JPMORGAN CHASE & CO.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I sent a letter to CHASE CARD letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and CHASE CARD refuses to delete the fraudulent accounts from my credit report stating in a letter its verified. CHASE CARD provided no physical evidence to why they wo n't remove it, according to the FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to mXXXX XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2021-09-12
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
A scammer met me on social media through XXXX and shared his investment gain on Coinbase. He mentioned that Coinbase is one of the most secure crypto storage. I was not aware that my information was compromised. He asked me to download a fraudulent platform called XXXX XXXX ( a stock trade and exchange trade fund app ). This app was created to access victims like me of my personal information such as ( phone number, email, DL, bank information ). The scammer used this method to steal my CoinBase account. I have reported this incident to IC3, the local police department. I contacted Coinbase and they locked my account, but I wasn't able to trace any of my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
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:
I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXE XXXX 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 explanation
Consumer complaint received 2022-09-07
Company: Genesis FS Card Services, Inc.
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This is the second time I've had fraud on this account and have been told I don't need to make a payment. The whole amount charged is fraudulent and do no rust this company to reimburse me if I were to make a payment. I've called several times and still show a payment due while they are investigating. The first time was a nightmare and I anticipate this one will be as well since it's already starting off that way. I've since closed my account and just want this claim to be resolved quickly so it doesn't ruin my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: WESTERN UNION COMPANY, THE
State: AP
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On Friday, at around XXXX XX/XX/2019, my brother from the XXXX sent {$500.00} thru Western Union. I as the receiver is currently stationed on a US Military Base in XXXX and expected to receive the funds in a few minutes after the payment was done. However, there were a series of confirmation that needed to be done from my brother 's side which he confirmed personally so the funds can be released. Initially, after calling Western Union customer service, we were told that the funds will be available in 61 minutes. So I let 61 minutes pass and at XXXX ( XXXX ) I called back Western Union to have the funds released. The person I talked to said that the funds are released. So I called the agent from XXXX XXXX where I am going to pick up the funds to check if the funds are available for pick up. The agent from the base said that his terminal is showing that the funds has been picked up with details saying the funds were released somewhere in XXXX, Colorado. It is now Monday noon here and I have not received the funds. My brother called for investigation and now, he was told to wait another week for the result of the investigation. In the mean time, we still don't have the money that I needed urgently. I am very, very disappointed with Western Union 's service. It should have been money in minutes not money in a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I did two balance transfer on my credit card account one ending at XX/XX/2019 and other ending at XX/XX/2019. I paid completely the balance of transfer ending on XX/XX/2019 in XX/XX/2019 itself. However they allocate the payment towards the balance of XX/XX/2019 and change me interest of balance transfer ending on XX/XX/2019. My every statement shows that I have two balances ending on two dates. I paid my balance as per the statement. When I call and ask them why they are saying that the balance transfer ending on XX/XX/2019 was issued earlier, That's why they payment goes to that. This means when I transfer balance ending on XX/XX/XXXX, effectively my XXXX ending transfer has no meaning. If this is their rule they should have told me at the time of balance transfer and also on statements. As it wasn't done in either, BOA is charging interest without proper communication. I would like them to reimburse my interest for 4 months and also pay the penalty for their foul behavior. I have submitted the statements of XXXX and XXXX as supported documents. XXXX statement clearly shows two balance transfer and also payment for first balance transfer. XXXX statement shows the interest charged by them. Please let me know if you have any question. 

Thank you, 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 2021-02-08
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hi CRA ; Im not LIABLE for this account as shown on the attachments and I demand an immediate deletion. Please see the attachments for detail. Its reporting incomplete, misleading, incorrect information and there are multiple inaccuracies even after I just paid off this account. Ive also disputed this account many times directly with original creditor XXXX and also each of the Credit Bureaus and Im in the process of filing a formal complaint with the regulators such as FTC, and Cfpb. 

Thank you very much! See the attachments that Ive successfully PAID off the account and Im not LIABLE! DELETE form my credit report now please!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
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: Information belongs to someone else

Complaint:
UPDATE THIS ACCOUNT ON MY REPORT

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 2019-07-22
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: Information belongs to someone else

Complaint:
THIS ACCOUNT DOES NOT BELONG TO ME AND I WOULD LIKE IT TO BE REMOVED FROM MY CREDIT REPORT.

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 2016-03-14
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card
Issue: Other fee

Complaint:
I have an account with chase that has been at 29.99 % since they took over my account in 2007. Every Time I call they just tell me that 29.99 % is the best rate they have to offer. I do n't understand how that can be true if 29.99 % is their default rate. I been trying to work with them they say they will review my accounts in 6 months. six months passes and its the same thing, I get no results and just the run around from them. I need some one to do something about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I found an unauthorized transaction occurred by XXXX app. I never had any XXXX account and never connected to this XXXX to my checking account. But the bank authorized this fund to the XXXX without any confirmation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-25
Company: U.S. Collections West, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a call from a XXXX XXXX XXXX. He stated this call is to collect a debt I was unaware of the bill and tok the call. I advised him I have never received anything. I asked for the details dates of services and services billed he could not provide. I asked him for written correspondance only and he continued to tell me i should have set up autopay otherwise it will be referred to collections. 

he stated XXXX XXXX you must agree to the payments they offer and set up autopay. i requested written correspondance va mal and 5 minutes letter they texted me via the same cell phone they called. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX THIS IS UNREASONABLE AND WHEN RECEIVING THEIR TEXT THEY HAD THE WRONG SPELLING OF MY ADDRESS NO UNIT NUMBER SO THERE IS NO WAY I WAS EVER COMMUNICATED WITH. I AM TIRED OF BENIG BULLIED BY COLLECTIONS AND HOSPITALS WHO USE THEM

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: WELLS FARGO & COMPANY
State: MT
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2022 I initiated a wire transfer from my Wells Fargo account to my bank account at XXXX in XXXX. My identity was confirmed via text message to the phone number associated with my account. The same day I received XXXX messages from Wells Fargo stating that my wire transfer was confirmed and initiated. Later I received a message stating that I no longer have online access to my account and must call a 1 800 number that can not be called from outside the XXXX. The loss of online access is the subject of a separate complaint pending with CFPB, and although I have communicated to Wells Fargo that I can not call the designated number, both through my account designated phone number, and by calling and emailing various other international numbers and emails. 

The new complaint concerns the belated cancellation of my wire transfer several days after it had been confirmed. ( The previous complaint concerns the loss of online access and refusal to provide any way for me to do as required to rectify that situation. ) On XX/XX/XXXX I received an email stating that my wire transfer was cancelled. I now have essentially no funds in my XXXX account and pending direct debits will not be paid. I will no doubt lose related phone, utility and other services, and probably my XXXX account itself. I was led to believe that although I lost online access my previously approved wire transfer had been made. 

This is my 4th complaint this year. One thing they all have in common is Wells Fargo making it impossible to communicate to them in the required manner and thus providing no recourse other than CFPB.

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 2022-09-07
Company: EQUIFAX, INC.
State: IL
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:
In accordance with the fair credit credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Experian Information Solutions Inc.
State: AL
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:
In XX/XX/2022, I sent Experian a dispute letter for method of verification under FCRA section XXXX to provide me information on how the inaccurate account was verified. Today, I received an electronic response failing to provide me with the exact methods they used ie : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

The account is with XXXX XXXX XXXX for {$1100.00}. Experian has failed to comply with FCRA, Section XXXX ( a ) ( XXXX ) and ( 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