BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-29
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Creditor : National Credit Systems XXXX XXXX XXXX XXXX XXXX GA, XXXX PH : XXXX DATE XX/X/2011 Account under the last name XXXX This account DEBT is not mine and was created through identity theft. I have been disputing this DEBT for years with the credit bureau 's and the creditor. The creditor has never responded to any of my certified letters that I have sent them. XXXX responds every time that the DEBT was verified but no proof provided so I can turn the info over to the FBI.I filed a complaint against this creditor with the Better Business Bureau in XXXX but they have not did anything. XXXX continues to ignore my disputes and refuse to delete the fraudulent account. When the Idenity theft occurred I met with the FIB and reported this case and the credit bureau 's were notified at that time. However XXXX  stated they ca n't find the Idenity Theft documents in their file. I want this DEBT removed immediately and National Credit Systems be held liable for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2500.00}, {$0.00}, {$0.00}, {$0.00}, {$15000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNT 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I MOVED TO XXXX  ON XX/XX/XXXX.I HAD BEEN WORKING IN XXXX XXXX  FROM XX/XX/XXXX THUR XX/XX/XXXX. MY NEW POSITION STARTED ON XX/XX/XXXX AND I WAS LAID OFF ON XX/XX/XXXX BECAUSE OF THE COVID. I APPLIED FOR UNEMPLOYMENT FROM XXXX  ON XX/XX/XXXX, I WAS APPROVED ON XX/XX/XXXX. I DID NOT RECIEVE ANY PAYMENTS UNTIL XX/XX/XXXX, AND THEN I RECIEVED MULTIPLE ACH DEPOSITS TO MY CHASE ACCOUNT BECAUSE OF THE TIME LAG. 

ON XX/XX/XXXX CHASE BANK FROZE MY ACCOUNT AND DEBIT CARD. ON XX/XX/XXXX I CALLLED CHASE AND WAS INFORMED THEY WERE CLOSING THE ACCOUNTAND I WOULD RECIEVE A CHECK IN 7 TO 10 BUSINESS DAYS. 
SINCE THEN I HAVE SPENT HOURS ON HOLD WITH CHASE, MET WITH MY CHASE BRANCH MANAGERS 3 TIMES AND TURNED OVER DOCUMENTATION TO THEM FROM THE STATE OF XXXX. MY ACCOUNT WAS OFFICIALLY CLOSED ON XX/XX/XXXX. I HAVE BEEN IN CONTACT WITH XXXX FROM THE EVECUTIVE OFFICES AND HE STILL ISN'T ABLE TO TELL ME WHEN I WILL RECEIVE MY FUNDS.AS OF XX/XX/XXXX. 

THE AMOUNT OWED IS {$7000.00}. I MADE A DEPOSIT OF $ XXXX.FROM A FAMILY MEMBER THAT CLEARED ON XX/XX/XXXX AND ANOTHER DEPOSIT OF {$3900.00}. THAT WAS A BANK CHECK FROM XXXX  XXXX XXXX  IN THE SAME WEEK. 
THIS ACTION BY BY CHASE HAS CAUSED ME TO BE BEHIND 2 MONTHS ON RENT, CAR PAYEMENTS, LATE CHARGES, ADDITIONAL INTEREST ETC AND EMBARESSMENT AND STRESS. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: Financial Credit Service, Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/XXXX, a person called me without identifying themselves as a debt collector and asked me to identify myself. He proceeded provide my social security number and address and state that I had a debt with XXXX. I stated I have no memory of any such debt nor do I any such company on my credit report ( I know every creditor on my report and I have NO derogatory accounts on it at this time ). He stated that it had fallen off my credit report. He then said he could prove by his data that I was a " XXXX ''. He then proceeded to tell me that if I did not pay him right then he would file a wage garnishment that day and I would have to " Burn my debit card '' because he would empty my bank account. I then asked him if he had obtained a judgement against me in the courts he said no. I called him out on that since he would need a court order to garnish me. At this point the person hung up on me. 

I called the company back asking for the name, address and license information for the company. The person who answered the phone stated the company was ARA Inc but refused to provide further information about the company. I felt at this time the company was a scam but I have since received letter from the company. I am in the midst of requesting validation of the debt but I felt that this initial attempt to collect debt was sufficiently predatory to merit a complaint on it's own for the following reasons : 1. The caller did not identify themselves as a debt collector.

2. They refused to provide their company information when requested.

3. They threatened immediate action for which they did not have legal standing in an attempt to intimidate me.

4. Called me derogatory names in an attempt to shame me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear Sir/Madam, Our flood insurance policy was re-written by the insurance company due to late payment. As a result, the insurance premium has increased. Our mortgage company ( Chase ) is  responsible for paying our insurance premiums on time. However, the payment was received late causing the policy to lapse. 

Our insurance agent claimed that the insurance renewal notice was sent to Chase ( Our mortgage company ) with the due date of XX/XX/2018. The payment was not received until XX/XX/2018, which was 2 days past the grace period. 

Chase, the mortgage company, claimed that the insurance payment was issued on XX/XX/2018. However, it was returned on XX/XX/2018. They called the insurance company and was told the payment was sent back in error. Chase then issued another payment on XX/XX/2018. However, it's two days past the grace period and the insurance company considered the policy had lapsed and re-wrote the policy. 

It seems that both Chase and the insurance company are not willing to take responsibility for the mistake and are pointing fingers at each other. 

As a consumer, we just know that it's not our mistake that this happened. We are the victim of the bureaucracy between two companies. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Since XX/XX/2020 I have been trying to dispute and get late payments from my XXXX XXXX student loan. They reported wrong and inaccurate information on my student loan that have been closed and transferred. I want this information to be investigated and removed since the account have been closed and transferred to XXXX. The account is closed and have been transferred but it still showing on my credit report. I have wrote several letters to help me remove it but get denied

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 2020-12-17
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We applied for a loan with Quicken Loans. Without our consent they added others to be available to view our loan status ( and apparently were sending them updates via email ). We asked repeatedly, in writing and by phone, to have no one allowed access to this personal information except my wife and I. The original purchase fell through and we started a second loan, and they did the same thing, allowing access to others. Despite several very specific requests, they continued to send information about our loan to third parties, including an agent who represented us ( buyer ) and the seller. 
After our complaint Quicken Loans utilized Covid regulations to claim we had zero income and deny our loan. We utilized another lender to complete the purchase ; a lender who specifically asked us to add anyone we wanted to be allowed access to our loan information, rather than just adding agents and escrow contacts access without any permission. Attached are emails ( please do not make these part of the information published ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: The CBE Group, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I disputed an item that was falsely added by this creditor. On my credit file they claimed i owed {$160.00}. On XX/XX/18 I sent my first letter, this letter was received by them via certified mail on XX/XX/18, After 30 days passed, this company responded to my first letter by sending me a false document that looks like a bill, this document didn't bear my signature and furthermore didn't reflect that I had a contract with this company or their alleged client. Unsatisfied with the first letter, I sent them a 2nd letter on XX/XX/18 continuing to dispute the derogatory item on my credit profile, this letter was received via certified mail by them on XX/XX/2018, this company had no response to my 2nd letter and furthermore they continue to report this false item on my credit profile to all 3 bureaus. As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification. I have received nothing from this company and they continue to break the law by falsely reporting derogatory item on my credit profile. This is illegal and unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: AMERICAN EXPRESS COMPANY
State: NY
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 applied for the XXXX XXXX from American Express toward the beginning of XXXX XXXX. 

On my XXXX XXXX, XXXX statement it states that XXXX points were earned. 
The cardmember agreement attached herein, ( page 3 of 4 ) states, " We transfer the points you receive to  your XXXX XXXX program account after the end of the billing period in which you received them ''. 

I noticed that on page 5 of 11 of my XXXX XXXX statement, that the terms were to be updated as of XXXX XXXX, XXXX to- " We are adding language to clarify that bonus points will be posted to your XXXX XXXX account 6 to 8 weeks after the end of your billing cycle. To be eligible to earn the bonus points, your account must not be canceled or delinquent at the time of bonus fulfillment. '' As such, I waited 8 weeks and then some before filing this complaint even though this was not required according to the terms that governed my account at the time of my XXXX statement. Additionally, my account is currently active and is not delinquent. It would seem that American Express has not fulfilled their responsibilities in this matter. 

During this period, I did call several times to try and resolve the matter, to no avail. 

I have no recourse at this point other than to file this complaint. 

I have also seized spending on this account and redirected it to other credit cards that I hold that do award me the points or cash back that I was promised and am entitled to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-12
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chime closed my account and named it fraudulent and refused to open the account and release my funds being held even when I sent the proper documents to verify my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
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: Account information incorrect

Complaint:
XXXX XXXX is reporting inaccurate information on my credit file. They are reporting a very old debt from XXXX that is over 7 years old and past the statute of limitations. This debt was charged off by XXXX on XX/XX/2010 and has been reported as bad debt on my credit report for over seven years, exceeding the statue of limitations.

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 2020-10-10
Company: Signature Bank (NY)
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Signature Bank holds my Mortgage Loan. Today I Refinanced it and their Loan is being paid off by the new Lender. However there seem to be a lot of discrepancies between what is shown on their web site and the Pay Off Letter they sent to the new Lender. For your ready reference both the documents are attached to this.

On their web site they show that the Unpaid Principal Balance is {$160000.00} and in their Escrow they show that they have a Credit Balance of {$380.00} in my favor. However in the attached Pay off they are showing that I owe them a total of {$160000.00}.

Including the Escrow Balance of {$380.00} in my favor, there is a difference of {$2700.00}, they owe to me minus the 10 Days interest at a per diem rate of {$21.00}, which amounts to {$210.00}.

So they owe me a net figure of {$2500.00} to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
Company: BARCLAYS BANK DELAWARE
State: PA
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:
BarclayCard cancelled my XXXX account without any warning. I have used the account recently, did not have any delinquencies and also had a rewards balance. BarclayCard will not let me view my account as this time, but I do know that I had over XXXX rewards miles that were not used as of 2018. I suspect this number is much higher now. Since BarclayCard did not notify me that they were going to cancel my account, I can only speculate that it happened because of erroneous negative information that had recently appeared on my credit report ( that has since been disputed ).

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 2018-03-21
Company: Account Control Technology, Inc.
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Summary : XXXX XXXX was negligent in the handling of XXXX XXXX forms needed to have tuition payment submitted to the accounting department within a timely manner, which ended-up having them take a strong collection against me and utilizing a collection agency that is not licensed in Florida where I reside ; over an incident that occurred during the fall of XXXX. Additionally, the business office of XXXXXX/XX/XXXX is now, which I believe, is trying to cover-up that collection because they submitted to XXXX XXXX on XX/XX/XXXX the deferment letter I sent to them during the fall of XX/XX/XXXX, which was a requirement of XXXX XXXX. The representative, XXXX XXXX, Recovery Specialist Business Office, Direct Line : XXXX, called me on XX/XX/XXXX to let me know that she was authorized to reduce my debt by {$200.00} off the {$1900.00}. She also stated that she would call-back XXXX  XXXX XXXX to avoid any further collection from them. As of XX/XX/XXXX, my collection report shows that the balance of {$1900.00} is still being reported by the collection agency, with a new update on XXXX that was reported XX/XX/XXXX. 

My earlier conversations, which extend back more than a year or so, have argued with the business office that I was demanding the school take responsibility for the mishandling and negligence of my XXXX XXXX Form that would have allowed the school to receive payment for the Fall Semester, especially when there was money available on my XXXX XXXX account. The school refuses to admit fault. 

On XX/XX/XXXX, a call was placed to XXXX at XXXX XXXX, which I had left a message on her voicemail with my findings on how I thought it was odd that her department would send over the Deferment letter to XXXX XXXX on XX/XX/XXXX. I also stated that the collection agency was still reporting and that I was now going to file official complaints against the collection agency and the school for their inappropriate handling of my account and the hardship the collection agency is doing to my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-29
Company: JPMORGAN CHASE & CO.
State: NY
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:
Hello, Thank you for giving time reading this. 

I have paid off my entire debt with Chase Bank but at the end they have charged me an interest fees which they shouldnt as I hav paid off my credit on or even before the due date. 

I have called them and they said we can not remove this. 

Its an abuse and please help me. 
I paid on the due date of XX/XX/XXXX ( they posted it on that date ) And the due date is XX/XX/XXXX amount of {$87.00} I called them today as I have received the statement with this amount XX/XX/XXXX. 

Thank you for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: Allegiance Accounting Services, LLC
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX XXXX ( allitegiance ) No physical address Mailing address and the matter of cases they dont give out a physical address XXXX XXXX XXXX XXXX have XXXX Mediation office in regards to allegations is what they say they are. 

On today XX/XX/2021 I received a threatening phone call from Allegiance/ XXXX stating that they were a mediation office and they were calling in reference to a XXXX  debt I had. They mentioned garnishment, that I had defrauded XXXX, and appearing in court within the first phone call. I told them I was unemployed, the person on the other end stated that that would be taken as a refusal and hung up in my face. I returned the call and got a different person. Still stating that it is very possible Id end up in court and since I had made no payment my actions were fraudulent. I once again explained my hardship and she worked with me. I paid {$50.00} over the phone because that is all I could afford. The collection was taken by XXXX as listed on my statement. They called from the number XXXX. The office number provided was : XXXX but they refused to give me their physical address. They gave me a po box as a mailing address instead. Please assist me with knowing the legitimacy of this company and if the money paid thus far has been to a legitimate entity. 

I talked to XXXX and they told me my debt was sold to a different company on XXXX. 

Today is XXXX and theyve called again from unknown and other different phone numbers. They left a voicemail saying there are two complaints filed against me with XXXX county and if I do not pay theyre going to send it out. Im unemployed, Im tired of the threatening and repetitive phone calls. The company refuses to send me anything on paper. Im currently unemployed and Ive been receiving threatening phone calls from this entity threatening litigation. Please help.

Company response to consumer: Untimely response