BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-03
Company: EQUIFAX, INC.
State: TX
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 continuously dispute 2 of the collections on my account. Provided documentation that the account I have was paid off and cancel but for some reason the debt collector XXXX XXXX XXXX thats collecting for XXXX XXXX is saying I owe {$630.00} and XXXX XXXX XXXX stating I owe {$720.00} which is fraudulent. I contacted XXXX XXXX directly and asked if I owed anything or do they see any old accounts in the system. She did a through investigation and check with My personal information looking for this information. She was able to pull up my old account but it was showing paid by me. She even sent out a bill copy that was requested in her back office to get this sent out to show I didnt owe anything and everything is good. The only account I have thru XXXX XXXX XXXX is XXXX and XXXX XXXX XXXX ... No XXXX XXXX. The old Accounts I had with direct tv at different addresses showed I transferred service and no balances. Sent my documents in to all 3 credit bureaus and seem like they look at the other credit bureaus and say its accurate. I even requested documentation and dates which the credit bureaus dont ever send to me. Now at one point it was remove 2 years ago and than added back this XX/XX/2020. The debt collector XXXX XXXX XXXX XXXX XXXX XXXX also popped up on my report in XX/XX/2020 as a new account. I disputed this one as fraudent a couple years ago and they deleted but it came back up in XXXX as a new account they XXXX XXXX. I never had no account with XXXX XXXX and havent borrowed or got a pay day loan for no amounts. For me to get a mortgage loan I had to forcibly settle with this unknown company because the credit bureaus wouldnt take it off my report. I asked also for documentation and dates and etc. even these so call late paymentS and no one will send me anything! Im sick and tired of fighting back and forth with these unknown companies and credit bureaus that I had to make a complaint and on top of that wasted money that could of been on my children. Police Report was made with XXXX XXXX in Texas for fraud and stolen items. Report number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
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: Information belongs to someone else

Complaint:
XXXX was open around XX/XX/XXXX without my knowledge. Amount of {$6400.00} XXXX XXXX XXXX Account Number XXXX open XX/XX/XXXX Amount {$750.00} XXXX CARD OPEN XXXX XX/XX/XXXX BAL $ XXXX BAL {$2300.00} XXXX XXXX # XXXX open dated XX/XX/XXXX {$2400.00} XXXX XXXX XXXX   OPEN DATE XX/XX/XXXX BAL {$15000.00} I submitted my FTC report and a written letter stating I was a victim of Identity theft.

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 2021-08-15
Company: Diversified Adjustment Service, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Diversified Adjustment Service, INC illegally obtained my personal information and now they are stating that I owe a debt in the amount of $ XXXXDiversified Adjustment Service, INC did receive written notification to validate this debt that they are accusing me of owing.Pursuant to Fair Debt Collection Practices Act,15 USC 1692g Diversified Adjustment Service, INC must comply with validation request.

Diversified Adjustment Service, INC are also reporting invalidated information that I have requested them to validate.Diversified Adjustment Service, INC are not complying complying with Fair Debt Collection Practices Act,15 USC 1692g and gave me a " verification '' instead of validation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/18 at XXXX XXXX I deposited {$800.00} cash into a Chase ATM Instead of the cash being deposited into my account the ATM said We Hit A Snag, To be sure your deposit went through please visit one of our branches or call us at XXXX. XXXX. I called the number and they told me that they would have to investigate and would give me a temporary credit for that amount ( which they did ). However almost a month later, the matter has still not been resolved when I call back they tell me that the credit is still temporary I have also emailed asking how long until this investigation lasts and have received no answer on that time frame.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-21
Company: WESTERN UNION COMPANY, THE
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
WESTERN UNION HAS FAILED TO FURNISH ME ALL DOMESTIC AND INTERNATIONAL FRAUD INDUCED WIRE TRANSFERS FROM XX/XX/XXXX TO XX/XX/XXXX. THEY IGNORED ALL MY COMPLIANTS BY CFPB AND ALL ATTORNEY GENERAL S OFFICE TO WHOM STATED I NEED ALL RECORDS ASAP SO I CAN FILE CLAIMS AT WETERNUNIONREMISSION.COM, BEFORE ITS TO LATE, DEADLINE ARE FAST APPROACHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15
Company: Army and Air Force Exchange Service
State: TX
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:
AAFES/MILITARY STAR has assumed my identity as the " original creditor '' and has a charge off credit card account on my consumer report. I, XXXX XXXX XXXX, am that I am, the CONSUMER in fact, natural person, original creditor, lender, executor, administrator, pursuant to 15USC1602i. I have an open ended consumer credit plan pursuant to 15USC1602j, am the creditor pursuant to 15USC1602g, Being that i have ope ended credit i should have never been charged for the referenced account. As original creditor in a consumer credit transaction I have the right to cancel the alleged debt but AAFES/MILITARY STAR will not comply with the federal law and should be held civilly and criminally liable pursuant to 15USC1640 and 15USC1611. AAFES/MILITARY STAR has failed to provide the original documentary evidence pursuant to " Rule 1002 '' and nothing can be reported on my consumer report without written consent from the consumer pursuant to 15USC1681b. Please investigate and have tradeline remove.

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 2018-04-21
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX is showing up on all 3 credit bureaus. I have disputed this acct with the company directly and with the credit bureaus. THE BALANCE THEY SHOW IS {$4500.00}. And they will not remove this account from my profile. I have written them asking them to provide me with the original loan application with my signatures and they haven't not provided me that. They sold the account to XXXX XXXX XXXX on XX/XX/2016 with an balance of {$4600.00}, I have also reached out to them asking for a copy of the original loan application. My date of both is incorrect when they called to try to verify the account with me.

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 2020-06-26
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I enrolled in a forebarence in XXXX. My XXXX payment was skipped. Citi still withdrew the monthly payment XX/XX/XXXX despite this. I called them on XX/XX/XXXX and could not reach anyone due to phone issues. I contacted someone via chat. They assured me it would credited in XXXX days. As of XX/XX/XXXX it had not been credited back. I contacted them again and they said they could not refund despite me having it in writing. I am also receiving NSF charges from my bank due to this.

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 2019-03-20
Company: DISCOVER BANK
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
A company called XXXX XXXX with an employee named XXXX XXXX are attempting to collect a debt against myself which has exceeded the statutes of limitation, on an account from discover card that dates back to XXXX with the last transaction date of XXXX when I was living in Missouri. XXXX XXXX and the staff at XXXX XXXX have been using harassment tactics over the phone, to include screaming at me over the phone, refusing to provide legal documents of proof in writing of the debt, threatening tactics of lawsuits without actions or causes. I offered to make a settlement to stop the collection calls and because I have very little information on this account I would like more information in writing. XXXX XXXX then raised his voice and starting telling me that the offer I made was rude and starting telling how I should behave at which my heart started beating. I told him that the Statute of Limitations they were threatening to sue me over were exceeded ( they stated the last account activity was XXXX ) and had been exceeded. I then explained that I had just had XXXX and was not working and I was unable to pay the full settlement amount they were asking for of {$2000.00}. I asked if he could settle for a less amount to stop the collection calls and I was told no that they had decided to go ahead and take me to court because he could file a Tolling agreement. I asked on which date he was going to take me to court and he said the XXXX. I asked him on what month the XXXX and he told me to stop changing the subject and would not give me the date. He then said he was going to garnish my wages and get a lien/levy against my house. I asked him to send all of his correspondences in writing from now on and he stated that he would not send me anything in writing. He also stated that I had enough credit available to pay the alleged debt in full. I asked him if I could record the conversation because he was yelling at me and he said No that any lawyer in his right mind would not allow some one to record them. At the beginning of the conversation He did ask if I had an attorney present and I stated no that is when he raised his voice and started telling me about how I should act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I checked my credit for employment reason and the collection agency came in the report. Its a medical bill that the insurance company told me that the reason they have not paid it was because the Dr. billed it as me being in his office and that was not covered unless I was in the hospital. I never went to his office and I don't even know who he is but I was treated at XXXX Hospital. I explained all this to the collection agency and asked them to send me the corrected billing showing he treated me in the hospital and all they sent me was a statement showing I owed the money to the doctor. They are not willing to correct the problems and i need to take care of this. Please help me as this could affect my job. 
The collection agency is MBA Law XXXX XXXX XXXX and the creditor shown on their letter is XXXX XXXX XXXX. I am almost XXXX years old and not on such a great physical and financial shape and I want to make this right but my insurance is willing to pay for htis old bill as long as they send a corrceted billing. 
Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-15
Company: Netspend Corporation
State: MO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
XX/XX/XXXX NetSpend XXXX XXXX account department has been texting my phone with balance from other customers account. I closed NetSpend XXXX card because of VA benefits stolen. Back in XXXX. NetSpend XXXX has been texting me balance and acct action from debit card purchase last text XXXX afternoon 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 2022-08-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hello, the bank I opened an account with is chase bank, which is a checking account. This account was closed on XX/XX/2021. It has been more than a year so far, but I have not received the balance in my account. From XX/XX/2021, I will contact the bank 's customer service by phone every week, but The bank 's reply has been to make me wait and say that there will be a result next week, but so far, the bank 's reply has always been unclear. And they said i need to contact asset recovery department at Chase Bank, but there no phone number listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit 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:
XX/XX/2019 Ordered online 4 items for Pickup at store picked up XX/XX/2019 XX/XX/2019 Ordered Online XXXX XXXX XXXX XXXX for Pickup at store XX/XX/2019 XXXX delivered package, no one at home, left package at door returned from work at XXXX no package at door XX/XX/2019 called store, " when can I come for pickup '' Store, " package delivered on XX/XX/2019 '' Package 'missing/stolen '

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 2020-06-26
Company: JPMORGAN CHASE & CO.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Back in XX/XX/2019 I informed this agency and the legal department of the JP Morgan Chase bank regarding the criminal activity that I was victim of when the Chase bank received a wire transfer from my XXXX  XXXX  XXXX  and the information that I was provided to wire the funds was an account opened by a fraudester in the Chase Bank. 2 hours later after the XXXX  XXXX  XXXX  initiated the swift recall, the Chase bank only 72 hours advised the funds were safe in their account because there was a name discrepancy and fraud alert. 20 days later the chase bank allowed their customer to retrieved the funds and paid the farebeater and closed the account. The investigation conducted by the Police Department of XXXX confirmed the initial information given by the Chase Bank. The name beneficiary of the wire and the account holder of the Chase bank were completely different not just by one of two Characters, by a whole name and address. I wire the funds was the closing attorney XXXX XXXX XXXX, and the actual bank account was under the name XXXX XXXX resident of XXXX Ohio and with a XXXX number, clearely a non existing person, despite of the name discrepancy and address discrepancy the bank proceeded 20 days later to release the funds to the account holder and immediately when the account was XXXX the bank closed the account to leave no trace. This is a clear participation of the bank in this criminal activity. I had obtained copy of the report from the Criminal investigation department of the XXXX Police Department where the Bank failed to their initial offer to cooperate with the Law enforcement agencies, and only the real name of the account holder was provided but the second requirement of where the funds went 20 days after the bank refused to cooperate, clearly showing their participation in the criminal activity that I was a victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: Experian Information Solutions Inc.
State: AR
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: Investigation took more than 30 days

Complaint:
XXXX XXXX IS FALSELY REPRTING INCORRECTLY, THIS ACCOUNT WAS INVALID AND BELONGS TO DECEASED AND WAS DISCHARGED DELETE THIS ACCCOUNT FROM ALL BUREAUS OR BE SUED.

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 2019-01-03
Company: EQUIFAX, INC.
State: AR
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: Investigation took more than 30 days

Complaint:
XXXX XXXX IS FALSELY REPRTING INCORRECTLY, THIS ACCOUNT WAS INVALID AND BELONGS TO DECEASED AND WAS DISCHARGED DELETE THIS ACCCOUNT FROM ALL BUREAUS OR BE SUED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-09
Company: Federal Adjustment Bureau, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A previous complaint was filed. They ignored the requested information in said complaint. I received a letter from XXXX XXXX, V.P. of operations who seemed overly interested in a bankruptcy instead of providing the due information under the FCRA & FDCPA. 
I am formally requesting that you validate all tradeline notations you have submitted by FABCO. 
Due to possible inaccuracies in these CRA reports, I must demand that the validation I hereby lawfully requested be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. 

Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline. 

Please also provide proof FABCO is legally allow to collect and licensed outside the state of Ohio. 

Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FDCPA, FCRA, and other federal statutes.

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 2020-10-11
Company: HCFS Healthcare Financial Services of TeamHealth
State: NY
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:
ARS : Account Recovery Solutions Account # XXXX {$1700.00} Medical Report is a HIPAA Violation by sharing my information with ARS. No contract with ARS or signature.

ARS reporting on XXXX, 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
Consumer complaint received 2020-10-11
Company: Experian Information Solutions Inc.
State: VA
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2021-08-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sold my house on XX/XX/2021. My mortgage was sold by XXXXXXXX XXXX to JPMorgan on XX/XX/2021. In the days before the close of the house sale, JPMorgan paid {$3300.00} to my insurance company, XXXX XXXX XXXX, from my escrow account. This was for a policy that was to begin XX/XX/2021, a week after my house was sold. I contacted my insurance broker, and the policy was cancelled. The premium of {$3300.00} was mistakenly returned to XXXX, instead of JPMorgan, because XXXX XXXX had XXXX as the lender on file. According to XXXX, they wired these funds back to JPMorgan on XXXX and provided me with a wire transfer #. JPMorgan confirmed that they have a record of the transfer from XXXX, but their records have a note saying that they returned the funds back to XXXX on XXXX. Yet, JPM could not provide me with a confirmation # backing up this claim, and they told me they were supposedly researching what happened. XXXX has stopped being helpful, and is now just pointing me to JPMorgan, but JPMorgan is unable to confirm whether or not they did in fact send the funds back to XXXX. Neither company wants to take responsibility or refund me my money.

Company response to consumer: Closed with explanation