BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-22
Company: Credit Plus Inc
State: LA
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:
I pulled my credit on XXXX XXXX and saw a hard inquiry from XXXX XXXX on XX/XX/XXXX who I have nor do I use and have never authorized a request for credit. There is no number to contact anyone and really would like to find out how to have this removed. 
Also on XX/XX/XXXX Credit Plus also pulled a hard inquiry, again do not know who they are nor have I requested credit through them. Please help me to remove these from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25
Company: JPMORGAN CHASE & CO.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
Specifically on XX/XX/18 at XXXX XXXX I called Chase bank to cancel a ( {$1500.00} ) check I sent out to California the day prior, I spoke to a male representative and he read me the disclosure and told me it would be a {$30.00} charge to cancel the check. I gave him all the information he requested ex : amount and who would be trying to cash the check, the representative assured me everything was taken care of. On XX/XX/18 the check was cashed, I called Chase immediately and I spoke to ( 3 ) different representatives calling me a liar, they said I DIDN'T call and that everything is recorded. I finally was able to speak to someone that would be able to pull the phone call and after an hour of talking to their representatives she agreed and apologized, she let me know that I had done everything correct and that the representative never put a stop on the check and all I got as an I'm sorry. She also advised me to run to the nearest branch and fill out an NSSF-OD Form which I did, it got denied because it was cashed 1 business day ago. This is completely unacceptable and I can not believe they are not trying to help me after their employees made such a terrible mistake.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-11
Company: BARCLAYS BANK DELAWARE
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:
I am victim of identity theft and fraud. There were several personal and business ; credit cards and loans applied on my behalf from an businessman who said he was helping me find a house for purchase. Suspect name XXXX XXXX, he is in jail at XXXX County, for other fraud charges. He opened a corporation under my name in which I did not give consent. The accounts opened were : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( loan & credit card ), XXXX XXXX ( loan & credit card ), XXXX XXXX, XXXX XXXX, XXXX, and I don't know if there are other accounts opened under my name. I have checked my credit report and has dropped significantly to 500s because of the delinquent accounts. I have several hard inquiries in which I did not give consent or had no knowledge. My husband, my son, and other family members are victims of XXXX XXXX identity theft and fraud. I do not speak English, only XXXX. My son is assisting me with translation.

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 2018-06-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX , XXXX XXXX XXXX and XXXX  data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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:
I have a car loan through XXXX XXXX. I recently realized they incorrectly reported me late for XXXX, XXXX, XXXX, XXXX and XXXX XXXX. I submitted a complaint and requested they correct their error. I enclosed the relevant payment history which shows I was never late. XXXX responded by adding 6 months of alleged late payments. My report now shows me being late for 10 months when I have never been late on the account. The first 4 were the result of XXXX not properly crediting my first payment. The addition of the last six months can only be defined as intentional harassment. I not only never went 30 days late on any payment I have paid more than required every month. I am most furious about the claim my account was late from XXXX through XX/XX/XXXX including a claim I was 60 days late in XXXX. I sincerely want to receive the {$1000.00} for each offense pursuant to FCRA. The letter I sent to the agencies and XXXX is attached as are the payment history from XXXX 's own website and a copy of the credit report submitted by XXXX. The original complaint and XXXX 's payment history show I was never late. Had XXXX properly recorded the first payment made XX/XX/XXXX there would be no issue.

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 2018-06-15
Company: FX Quick Cash, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
I was approved for a loan in the amount of XXXX on XX/XX/XXXX. When I contacted the company on XX/XX/XXXX the representative I spoke with told me that the system had me in the pay back twice the month even though it is suppose to be once the month on the XXXX of every month. She corrected the mistake and then told me I was approved for XXXX and that I needed to resign the agreements. I signed and initialed everything and submitted my employment verification. Later that evening on XX/XX/XXXX I called to check the status of my loan and was told that the company had withdrawn my application with no reason or recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: Halsted Financial Services, LLC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/19 I received a collection letter from Halsted Financial Services , LLC stating that XXXX XXXX XXXX, placed with them for collection a debt for {$1000.00} that they claim I originally owed to XXXX XXXX XXXX. Its their reference number XXXX. I called them and disputed that I never opened an account with XXXX XXXX XXXX. They suggested that I file a police report so they could remove it from my credit history for which I complied to and let them know after I have done it on XX/XX/19. They said that it will no longer show on my history after a month but it still does as of XX/XX/19.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: Seattle Service Bureau, Inc
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
yes i am a XXXX Veteran and was seen for XXXX XXXX  problems at XXXX XXXXXXXX XXXX XXXX in XXXX Utah after receiving help i stayed in constant communication with there billing Department to make sure the bill was taken care of witch it was, ,today i checked my credit score it had dropped 100 points due to a collection that was incurred during my stay from a physician that at sometime i had seen i had no idea that i owed any body anything when i contacted XXXX XXXX billing they simply stated that i had signed something i explained that i was provided a ride for a local police dept and that i could barley remember anything and that i was under a great deal of stress at the time this certainly seems as unfair billing practices

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
After reviewing my credit report I found some errors on the reporting of this closed account. You are reporting information about me which is inaccurate. All three credit bureaus are reporting different high balances on this account. As you are aware there can only be one high balance on an account. 
You are also reporting payment history in 2019 on a already closed account to XXXX. 
Payment status also differs across all three credit bureaus. 
Late payment history is also being reported differently across all three credit bureaus This ACCOUNT HAS NOT BEEN PROPERLY VERIFIED SEE ATTACHMENT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX-19 I made a claim against my home owner insurance and come to find out fifth third had not made my insurance payment so they would not take the claim called fifth third and they said they had a grace period of 60 days and my insurance said that is not true and told me that they had sent them a notice after talking to several people from the bank they said the would pay it so a week went by and I called insurance to refile the claim and they said they still had not got paid so I called the bank back and they sent it out around XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, our USAA account was hacked, an outside account was added to our profile, and someone transferred {$10000.00} from our savings into this unknown account. USAA was notified immediately of the fraud. A police report was filed, as was an FBI report. USAA has refused to make our account whole again and is holding us liable. They have not and will not provide the specific details that led to this conclusion. They are no longer willing to discuss my case, and have recommended I get a lawyer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Consumer Financial Protection Bureau I have received over 50 robo calls from " Chase Bank '' offering to decrease my credit limits. I hold NO Chase Bank cards, NO JP Morgan cards. I have spoken with reps and demanded they remove my name from the call list. I have filed a FCC complaint. These calls are to a registered DO NOT CALL list device. This is incessant and harrassing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
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: Public record information inaccurate

Complaint:
I was a victim of identity theft in XXXX XXXX. A public lien was placed on my acct. I was able to provide proof to the reporting agencies and sent them a copy of the paperwork over 2 months ago ( again ) as I was just reminded of this again when I checked my reports. Nothing has been done about this and they are still reporting the lien on my credit report. I have the proof from the XXXX of XXXX XXXX and they wo n't remove it from my report. Looking to get this matter resolved as I 'm trying to buy a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: JPMORGAN CHASE & CO.
State: CO
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:
Duplicate inquiries on report, called creditor about it, said they don't know why there was a duplicate but they couldn't remove the inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: Frost-Arnett Company
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a notice a collection agency added a debt to my credit report. I contacted the agency and the doctor 's office about the bill I had no knowledge of it. I thought my insurance paid all of this bill. When I contacted them I offered to pay if they removed from my credit report. They said they will not remove the debt from my credit report. I was not aware of this bill. Then they told me about other debt they have which I was not aware of either. I told them I was not aware of the debt and would pay if they remove the debt. The bill they put on my report is for {$100.00}. I don't know the date of this bill but it was added to my credit report on XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: Experian Information Solutions Inc.
State: OH
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:
In 2016, my account with XXXX XXXX was closed for default. Rather than sending the account to collections, XXXX  chose to forgive the debt and I was sent a XXXX. As A result, I paid Federal taxes on the forgiven debt of {$690.00}. To this day, XXXX continues to report the account balance as {$690.00}. I called requesting that the account balance be updated to XXXX, and they refused to do so. I even went as far as to offer payment for the account, which was also refused.

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 2018-08-07
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I discovered fraudulent activity on this account XXXX XXXX via XXXX XXXX XXXX for {$5000.00}, XX/XX/18.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-08
Company: Receivables Management Partners, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
RMP LLC contacted me on XX/XX/2021 at XXXX XXXX. I spoke to them for 2 minutes. I asked them for an itemized bill and to only contact me through mail. I explained to them that I work XXXX daily, and I was at work when they called, and I don't want to get fired for having to answer my phone. 

They called again XX/XX/2021 at XXXX. I did not get a chance to answer that phone call because I was working. 

They called today, XX/XX/2021 at XXXX. I spoke to them for 3 minutes, and repeated what I have said previously, and then asked them for their email address and informed them they were violating debt collection laws and I would be lodging formal complaints, and once again asked for an itemized bill and for them to only contact me through postal mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
Wells Fargo is reporting this account as charged off in a chapter XXXX bankruptcy and the account as closed. This account was never included in my chapter XXXX and was paid on time on the outside of chapter XXXX. The account is open and being paid in a timely manner as agreed.

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 2019-09-06
Company: CITIBANK, N.A.
State: UT
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 customer service

Complaint:
After a few months, I tried login into my credit card online account to make a payment. The username and password I entered was correct but it asked my for a second verification step which was getting a code through the phone. Despite trying a few times, I never got that automated phone call. The following day, I tried to resolve the issue through a different way, calling costumer service. I figured maybe the phone number Citi had on record was wrong so I tried to get them to change it and send me a verification code to the correct number and then be able to log in and operate my service. Trying to get that done involved speaking with the automated voice 4 times and then speaking to around 10 people both in English and in XXXX and repeating the same information over and over. I was told twice that my correct phone number needed to be verified so the representative would end the call and call me back right away at the correct cell number I provided. In both of those occasions, I did not get that promised phone call. After around 80 minutes trying to resolve the issue I was unable to get any effective support so I made one last phone call to request my card being cancelled. The operator asked me if I wanted email confirmation of the cancellation and I said yes but I havent got it after several minutes although he told me my request had been confirmed. I am seriously disappointed with Citi 's costumer service.

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 2018-08-07
Company: WELLS FARGO & COMPANY
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Instead of providing me with the detailed information I requested, about my WELLS FARGO Home Equity Account, they immediately contacted XXXX & reviewed my credit records, each time, on the following dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. 
Their credit inquiries are suspicious because these requests have nothing to do with the information in my Credit file. 

Further, WELLS FARGO refused to investigate and correct statement errors, which not only impacted my credit scores and history ; but also affected the balance owed on this account.

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 2018-06-15
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have been on Navient 's Rate Reduction Program for about two years. My rate was lowered from a 12.5 % $ 11.5 % and 6.5 % interest rate to 3.5 %, which provided financial relief and allowed me to stay above water. Usually, they collect my financial information to see if I qualify. The program ended, and so I called to reapply but everyone keeps telling me I do not qualify, without even so much as asking about my financial profile to see whether or not I qualify. They just immediately say I don't, without providing explanation. say I ask what else I can do because the only option is to default and they say there's nothing they can do. I have called three times, and my loans are about to default, when I have a 13 year credit history and have never had a late payment in my life.

Company response to consumer: Closed with explanation