BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-29
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Saturday XX/XX/XXXX I received a CP2000 form from the IRS. It stated that I had 2 disbursements that I did not account for on my XX/XX/XXXX Taxes. Upon inspection there where two that pointed to JP Morgan / Chase Bank on a retirement account ( CD ) that were distributed to me. The account information states that it showed my Social Security Number ( SSN ) and gave the details of it being from a Chase Bank Retirement CD. I called the Chase Bank 24-hour phone number and asked them to look up my SSN to see if I had any accounts on file with Chase - as I have never used Chase Bank for anything. They stated no they had no accounts for me and told me to go into a local branch bank on Monday to get more information. I also called the IRS to ask them more about this item. They told me to get a letter from the bank on Chase 's letterhead stating that I had no accounts with them and the IRS then would investigate and remove this said money due. After waiting for three ( 3 ) days to hear back from Chase because the branch manager " wasn't available '' for whatever reason, I finally was told that because I have no account on file, they can not draft any letters on my behalf and had very little concern for my issue. I then went home and called the IRS again. They have since ( with my permission ) sent a payor letter to JP Morgan/Chase to request them provide proof that that debt is mine. I was told that I have to give it 30-60 days for the letter to be mailed by IRS, received by JP Morgan/Chase and then responded to by JP Morgan/Chase. Since the Chase Bank helpline and the branch bank both show no record of me having an account, I expect this issue to be resolved. But if they come back and refuse to remove this debt from me, I was told that I might need to seek other means to resolve this. After talking to the IRS, they stated they only go to the taxpayer for this when the financial institution reports this income to IRS. The fact that Chase Bank showed little concern for my problem and refused to assist when this is clearly their error is something that I am bringing to your attention and ask if you will please investigate this matter and help me and others not fall victim to this kind of treatment and mistake by JPMorgan/Chase?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
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:
This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2022 XXXX XXXX XXXX XXXX  XXXX, FL XXXX-XXXXXX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2022 XXXX XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXXXXXX XXXX XXXX Balance : {$370.00} XXXX XXXX Balance : {$580.00} XXXX XXXX XXXX XXXX Balance : {$1500.00}

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 2019-12-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 had a balance of close to $ 10k with Capital One. When I paid it all in full they blocked my card and asked me to fax them my bank statements. I did not want to go through all that hassle just because I paid my balance in full, so I asked them to close my account. 
At this point I have a final bill from them for the last months charges, however they dont allow me to redeem my rewards points. 
Basically after closing the account, they expect me to pay what I owe them, but they dont plan on giving me my points.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
If you feel there is a possibility these addresses belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the addresses is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX 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 non-monetary relief
Consumer complaint received 2023-04-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My home is located in XXXX Florida. On XX/XX/XXXX hurricane Ian hit the Gulf Coast leaving damages throughout neighborhoods. It was declared a devastated area by FEMA. I reported my damages with my home insurance XXXX XXXX  They issued me {$45000.00} for repairs. As directed. I had to endorsed the check and mail it to SPS Select Portfolio in UT. The endorsed there part and only sent me back $ XXXXto start my repairs. I have 390 sq ft of fence to replace PVC., a new roof, replacement for window screens, paint. Pool equipment repair, Prior before getting my money for the repairs I had to take out of pocket some costs like a tarp to cover the roof as well as hold my place with contractors to order supplies as there was a huge demand. I was instructed but SPS to log into a website called " Insurance Claims '' this shows me steps that is needed to complete once repairs are complete. They indicated I would get back the {$5000.00} after the final inspection was done. I received a text from there inspector XXXX who only wanted pictures of the final completion of the damages which I sent. SHe said it would take 7-10days. THis was sent and it was uploaded into the company 's site on XX/XX/XXXX. They still haven't released the money. They stated that only 95 % was done. I spoke to many reps and the last one stated that she will note that paint and clean up isn't based on structure and funds would be released this was two weeks ago and still no indication from there website that the rest of the money pay back for the work that was done was sent. The contractors want to pay off the balance and its leaving me in a very bad way with these workers and I don't want to go to collection. The house that is damage is an investment property and I was unable to rent during these time for the property not being safe. I requested a defer for mortgage assistance back in XX/XX/XXXX but it still hasn't finalized. I keep in touch every week and the underwriter who keep asking for the same docs over and over wont move forward. Even there Reps don't understand what is going on. I have complied with every request and they wont release the {$5000.00} or move forward with the mortgage assistance. They are stealing the home owners money and not releasing it to me to pay my contractors. can you help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31
Company: DISCOVER BANK
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: Investigation took more than 30 days

Complaint:
Attached is additional information regarding the theft, fraud, impersonation, forgery, and false pretenses on my Discover Card by XXXX XXXX. Please add this to the pending complaints. I have filed many complaints and I have several pending now against Discover. The following are examples of the forgery, impersonation, and false pretenses of XXXX XXXX. Just like she did Discover. XXXX XXXX is mentioned on IRS Form 14039 Fraud Affidavit. XXXX XXXX sent me the attached application and contract to rent furniture under my company name. It was obvious sloppy fraud and XXXX dropped the claim when they saw her finger in the photo. XXXX XXXX also stole 5 XXXX from XXXX by charging to my company account. She was able to get my PIN from one of the employees. She then stole the phones from my rural mailbox. I am requesting this information from XXXX XXXX XXXX and will send later. Also attached are forged documents on two cars purchased under my name from same dealership on same day. Again it was sloppy fraud. Notice different salary amounts, her name, her phone, and her email address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Attached is additional information regarding the theft, fraud, impersonation, forgery, and false pretenses on my XXXX XXXX by XXXX XXXX. Please add this to the pending complaints. I have filed many complaints and I have several pending now against XXXX. The following are examples of the forgery, impersonation, and false pretenses of XXXX XXXX. Just like she did XXXX. XXXX XXXX is mentioned on IRS Form 14039 Fraud Affidavit. XXXX XXXX sent me the attached application and contract to rent furniture under my company name. It was obvious sloppy fraud and XXXX dropped the claim when they saw her finger in the photo. XXXX XXXX also stole 5 XXXX from XXXX  by charging to my company account. She was able to get my PIN from one of the employees. She then stole the phones from my rural mailbox. I am requesting this information from XXXX XXXX XXXX and will send later. Also attached are forged documents on two cars purchased under my name from same dealership on same day. Again it was sloppy fraud. Notice different salary amounts, her name, her phone, and her email address.

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 2019-12-21
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
American Express has two debts of credit of {$930.00} twice with two different account numbers for the same authorized user on my account. My account also has XXXX which is the only balance. I just found out about it after a year on XX/XX/19. I always transfer out of the United States with the first person that doesn't understand XXXX. I always have to ask the rep to transfer back to America. I asked them, to take it off immediately. Once transferred back to the United States, I was told it from another rep that I could not be taken off until they report to the credit b. report or 10 days after the backup team views the complaint. I was not told if that was business days. The card was never activated for the authorized user and his second card never came. Thank goodness there were not any purchases. This is why I don't understand why the credit b. put it on his credit report. This has reflected report account has been negative for almost 2 years giving him a spending rate of 38 %. Also, it has not allowed him to get an increase in credit because lenders don't like to like to see too many accounts opened within a year. He never opened an account with American Express he was just an authorized member. 
People, please watch or teach your young people to monitor there credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: Byrider Franchising, LLC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
I keep getting calls while at work ( Ca n't have my phone on me ) but every time I try to call they do n't answer nor listen to my voice message that provides my call back information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-24
Company: Experian Information Solutions Inc.
State: KY
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:
My mortgage account is currently showing 180 days delinquent/past due on Experian and XXXX, which is dropping my score tremendously. I'm unable to apply for needed loans or credit cards which has impacted my finances. I was in covid forbearance for 6 months, and I was current on my payments when I went into it. Under the XXXX XXXX, my account should've been kept current. 

I have been trying to dispute this with the credit companies for 3 months. When I reached out months ago to the mortgage company they said someone from the credit department would get in contact with me and they never did. I also emailed about this issue on XX/XX/2022 with no follow-up.

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 2023-09-13
Company: EQUIFAX, INC.
State: TX
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:
11th REQUEST!!!!!! 

I received a hard copy of a letter dated XX/XX/XXXXXXXX  from XXXX XXXX XXXX ( Compliance Specialist ) from XXXX XXXX XXXX XXXX XXXX. Whereas they are reporting me being excessively late on my credit report several times, the letter ( on their letterhead ) states that I was ONLY LATE ( 2 ) times -- XX/XX/XXXXXXXX  and XX/XX/XXXX. I have written to and called your company several times ( each month since XX/XX/XXXX ) to get this resolved and NOTHNG has been updated. This account ( although paid off now to avoid further reporting errors ) is still showing up on XXXX and Equifax as a POTENTIALLY NEGATIVE status. I have pleaded with your company to investigate this matter and get this deleted ASAP!! Please note that XXXX XXXX has a history of reporting fraudulent information to their customers ' credit reports as publicly noted within their website reviews. In desperation, I even wrote the President of XXXX XXXX for assistance with no resolve, to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: Illinois Collection Service, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Please advise I have ics collection service responded back to cfpb and does not recognize this debt collection. This is not my debt and I want this removed from my credit report as I have reported this to XXXX XXXX  and XXXX and this has not been removed from my credit report. Ics collection services was contacted numerous times about this by cfpb and has no knowledge of this debt can we please get this resolved and removed from my credit report 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 explanation
Consumer complaint received 2021-12-15
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was a Victim of the " XXXX XXXX Scam '' Wells Fargo has denied my claim, claim number XXXX. 
I believe this fraud is covered under regulation E. I authorized the transaction under false pretenses. The fraudster called me from an official wells fargo phone number, XXXX. I am not exactly sure how the fraudster was able to change the account linked to my XXXX  account, it is possible i was tricked into giving them the information they needed to do that. 
Please help. 
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 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX 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 XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-01-16
Company: Casesa Bowden Barlow, P.A.
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
To Whom It Concerns, In XXXX of XXXX, I received a letter from XXXX XXXX XXXX, PA, located XXXX XXXX. XXXX, FL XXXX attempting to collect a private student loan debt. The last payment on that debt happened on XX/XX/XXXX. It's been in default, which I'm not proud of, and I've never been sued on it prior, nor have I made any payment or payment arrangements since the last payment in XXXX. I made this very clear to the law firm, XXXX XXXX XXXX, PA, who is representing XXXX XXXX XXXX XXXX. They claim the statute has not expired and then proceeded to file a complaint on XX/XX/XXXX, in XXXX XXXX XXXX XXXX XXXX. I have since been served, on XX/XX/XXXX. In the lawsuit, they provided, as the first exhibit, the original promissory note I signed back in XXXX ; however, the lawsuit is for much less than the ending balance of what was due when payments stopped. In the lawsuit, which is obviously time barred, they didn't provide a payment history ( which I actually have ), they didn't provide any proof that the plaintiff owns the debt, and they made false statements. They are clearly filing illegal lawsuits and taking advantage of people, and they will, no doubt, win default judgments from the many folks who don't know the law and/or ignore the lawsuits. Furthermore, I believe they are in collusion, with the many defense attorneys, who keep on soliciting me for their services against the lawsuit. The defense attorneys I spoke to, through consultation, have advised me to settle, rather than fight and/or motion for dismissal, on a debt that is clearly time barred and weak, even if it wasn't time barred. These people are breaking the law and this needs to be corrected before too many people suffer unjustly. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX  my mother passed away. We held joint account with BofA. On XX/XX/XXXX my brother fraudulently transferred funds out using mothers digital access. Bof A was made aware of this fraud on XX/XX/XXXX after i checked account after receiving letter from BofA Estate Services on XX/XX/XXXX. I filed fraud complaint with BofA at which time the bank told me the funds were transferred twice to accounts in my brothers name. Bof A knowingly engaged in fraud by refusing to recover funds stolen and promptly return to my account. My brother was not authorized legally to withdraw any funds from my joint account with my mother after her death. I have made him aware of these facts as well as receiving confirmation from numerous employees of BofA of the fraudulent funds transfer. BofA continues to engage in fraud against 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 monetary relief