BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I recently had a very unfavorable and sour experience with Chase Bank 's Services. 

Here 's the story : 1. I wrote a check to a merchant from my Account # 1 2.  While the check was still in transit, I called Chase and asked to make a stop payment on XX/XX/XXXX 3. I realized the Customer Care Agent made a mistake and put a stop payment on Account # 2 because the amount got debited from the Account # 1 4. I moved to California and I reached out to the Chase Branch location in XXXX and found out that the Customer Care Agent made the stop payment on the wrong account 5. I asked the case to be escalated. After a few days, I was told the case had been sent to Branch Escalations 6. Branch Escalations called and said they're trying to find call record of my conversation with the Customer Care Agent 7. Chase wasnt able to find that information, neither can they find the Agent that placed the Stop Payment on the wrong account 8. My Wife gets a call from Branch Escalations and they tell her that unfortunately they can not credit me the amount 9. I repeatedly try to call Branch Escalations and try to get hold of our case manager XXXX, who never responded to 10 voicemails I left for him over 7 days 10. I finally called Branch Escalations and spoke to another representative. He told me the same thing XXXX told my wife I am disappointed for various reasons- : 1. Chase cant find out the call recording when everytime I call in, the machine says, the call is being recorded. 
2. Chase Customer Agent makes a mistake which cost me $ $ {$3.00}. Chase Branch Escalation says, because there is no evidence of whose mistake it is, they can not credit the amount to me. 

If Chase can not find call trace of my conversation, whats the point of having Phone Banking? 

If Chase cant find any history or employee information who made the stop payment, its Chase 's inability to run their business right. 

At this point I am ready to stop doing business with Chase Bank because I have no faith in them. I cant believe Chase can put their customer 's first and acknowledge mistakes done. I do not wish to waste anymore time in the future with Chase who does not believe in justice and runs unethical business practices. 
I do not feel my money is safe with them. 
I have been a customer for over 8 years. 

Branch Escalation Case : XXXX # XXXX PS : The merchant doesnt offer service cancellations, and once a check is processed, they have no returns.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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:
A recent adjustment was made on my account and Bank of America removed {$.00} from my account that I had overpaid on my statement. Contacted customer service and was told a check was mailed to the address of record on XXXX XXXX, 2017.  Informed the representative that I had not received the check. He informed me he would do a stop payment on the check and they would reissue. Asked him to supply me with the check number and date of the check to prove to me that a check was issued. He said he could not provide me with that information. He nor his supervisor could not explain why Bank of America did the adjustment or where the funds went. This adjustment has happened to me in the past and I was told this was a system error and the problem was corrected. If the problem was corrected why did the adjustment happen again.?

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 2022-10-07
Company: Rocket Mortgage, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We had an FHA mortgage with Rocket Mortgage for our home that we purchased in XX/XX/XXXX, which we recently sold. We built a new home and were scheduled to close on the sale of the old home on XX/XX/XXXX, but due to delays with the buyers lender, the buyers were unable to close until XX/XX/XXXX. The mortgage payoff amount that had been quoted to the title company was supposedly good through XX/XX/XXXX. Our title agency wired the proceeds from the sale to Rocket Mortgage, and they included extra funds per down to account for any extra interest that may have been accrued. 

Rocket mortgage received the transfer on XXXX, and left me a voicemail saying it was short and they needed to collect the additional funds. I didnt not listen to this voicemail until XXXX ( sometimes my phone does not show me I have voicemails until days later ), and I immediately called them. Rocket Mortgage stated that because I did not respond for 2 days, they rejected the wire transfer and that they would have to generate a new payoff amount for me. I contacted our title company, and they were SHOCKED, because they said normally a mortgage lender would reach out to the title company directly about a shortage. Further, they stated they sent more than the payoff amount requested, to account for any extra interest due to delays with the closing process. 

I left a voicemail for the person who was designated as our contact person at Rocket. She called me back and stated it is their policy that they call the consumer, not the title company, and they collect the extra funds from the consumer. The funds were supposedly rejected yesterday, but the title company has not received the funds from the transfer back. Meanwhile, interest keeps accruing on this mortgage that we still hold, on a house we no longer own. The title agent said that she has never heard of a lender doing things this way, and that it seems like they are trying to take advantage of people. I have already spent hours on the phone trying to resolve something that should not even have been an issue. I do not want other people to have to go through this, especially those that may just accept what Rocket is telling them at face value and hand over the cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
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 was a victim of identity theft. i need these accounts removed asap. had no idea they were XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-09
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXXXXXX XXXX In XXXX XXXX I went to withdraw Money from my TD checking account from my social security direct deposit account and discovered there was a freeze on my account, I spent a day on the phone with people including managers and 2 different branches. I passed voice identification and security questions and they said they would have to text me on a US phone No. Being in XXXX XXXX I only have an XXXX XXXX No. Their only solution was for me to go to a US branch with photo id and passport. I have severe XXXXXXXX XXXX about XXXX XXXX XXXX plus am on the cusp of XXXX XXXX, Flying causes me a great deal of pain. So, no money, no food and no medication, I have to fly to NY and back costing me over {$600.00} and a great deal of pain and suffering. I would like to be compensated and warn people not to travel internationally if they use TD Bank. I think that it's illegal to freeze a direct deposit social security account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-07
Company: Experian Information Solutions Inc.
State: NY
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:
DELETE XXXX  XXXX XXXX Account # XXXX off XXXX XXXX credit report file today DELETE XXXX  XXXX XXXX XXXX Account # XXXX off credit report file today Both Accounts Passed Statue of Limitations and law states it must be deleted off credit report today.

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 2021-09-15
Company: EQUIFAX, INC.
State: TN
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: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: U.S. BANCORP
State: MD
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:
On XX/XX/XXXX the following charges labeled XXXX XXXX XXXX XXXX XXXX CA were posted to my XXXX XXXX XXXX by Elan Financial Services XXXX 14 transactions at {$200.00} each 1 transaction at {$50.00} Total {$2800.00} The merchant category per my Elan statement was Heat Plumbing A/C. 

These were fraudulent charges as I did not request, authorize or receive any services related to these transactions. I contacted Elan, told them these charges were fraudulent and they credited my account on XX/XX/XXXX, cancelled my card and re-issued me a new card. 

Then on XX/XX/XXXX and XX/XX/XXXX, Elan reinstated {$2200.00} to my account saying After careful review, we have verified the transaction ( s ) was authorized, and you received benefit from the transaction ( s ).

I have contacted Elan by phone and asked them to remove these fraudulent charges on XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX. Each time, the representative told me that they would have a manager call me to discuss but they never did. I also requested Elan to provide their documentation that I allegedly received these transactions which they agreed to send me but have not done so. 

Elan Financial Services wont respond to me so I need your assistance to have these fraudulent charges removed from my account. 

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 monetary relief
Consumer complaint received 2023-10-20
Company: Experian Information Solutions Inc.
State: NJ
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 XXXX XXXX XXXX XXXX EXPERIAN BUSINESS CRED XX/XX/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 2020-01-07
Company: SYNCHRONY FINANCIAL
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had an account with synchrony. They sold the account to other lenders and add it back on my credit as if it was just new. The account is over three years old. They are also doing soft inquiries on my credit without my permission. They are using portfolio recovery and the dates are not correct. I've contacted the credit bureau and disputed them. All of the things that supposed to be on my credit isn't. People are adding things to my credit without sending me notice or anything. Here are the dates for the soft inquiry for portfolio recovery. Inquired on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have not requested for anything such as a credit card or anything other than a car-loan on 1XX/XX/XXXX. I've contacted the dealership and asked them to stop making the inquiries after I didn't get approved. I had to have a co-signer which was my mother that has perfect credit and was promised. I don't have a lot on my credit which is great but the soft inquiries are hurting my score and I didn't request them. I currently have a freeze and fraud alert.

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 2020-01-07
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a past due notice dated XX/XX/XXXX for an outstanding balance of {$570.00} identified as Item # XXXX by Ace Cash Express. Contact info in XXXX XXXX, FL XXXX. Company address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. Original loan amount {$550.00}. Origination date XX/XX/XXXX. I never took or received this loan. I have contacted the company and requested that they erase the false debt from my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Experian Information Solutions Inc.
State: FL
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 checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-01-26
Company: CAINE & WEINER COMPANY, INC.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a collections letter from Capio Partner for {$3500.00} for a hospital visit in XXXX. I overnighted a letter requesting validation of the debit on XX/XX/XXXX, and Capio received it on XX/XX/XXXX. I received a response on XX/XX/XXXX, well after 30 days. I received a black-and-white printed statement. The address printed on the information was an old address from XXXX. I negotiated and paid this deficit in XXXX before preapproving for a mortgage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 was checking my credit report and I dont understand why you put this negative information on my account. 
Im sure that someone used my personal information and applied for it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 was a victim of identity theft. i need these accounts removed asap. had no idea they were XXXX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX 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 2022-10-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
I hired XXXX on XX/XX/XXXX at the recommendation of XXXX. I needed a coaxial cable to be run into my home. 
I prepaid with my Capital One credit card when I scheduled the appointment. 
The technician came and didnt install the cable. He recommended we use XXXX cable already installed which obviously didnt work. He spent a couple of hours trying to make the old cable work instead of installing a new one. 
I had to hire another person to run the cable. 
XXXX hasnt refunded my payment didn't refund my payment. 

I proceeded to initiate a chargeback through Capital One. Sent them all the documentation. 
XXXX responded saying the service was performed. 
The chargeback has been reversed by Capital One and considers the case closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: Nelnet, Inc.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
i received 2 receipts of disbursments sent out on XX/XX/XXXX but never received the checks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Experian Information Solutions Inc.
State: SC
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:
XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Section 807 ( 10 ) prohibits the " use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. '' 3. False statement or implications. A debt collector may not falsely state or imply that a consumer is required to assign his wages to his creditor when he is not, that the debt collector has counseled the creditor to sue when he has not, that adverse credit information has been entered on the consumer 's credit record when it has not, that the entire amount is due when it is not, or that he can not accept partial payments when in fact he is authorized to accept them. 

FCRA 623 ( a ) ( 1 ) ( A ) reporting of information with actual knowledge of errors XXXX XXXX admitted that they do not purchase their debts.

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