BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-21
Company: JFQ Lending, LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
MY CURRENT MORTGAGE IS FINE! You did not give me an 'other ' option on the previous page. The problem is I am being harassed by phone, email, text message and mail by the company JFQ Lending Inc in AZ. I have never heard of them or have done any business with them but they found my name, address, and mortgage company. 
They sent me an official looking letter with the name of my current lender. How they got this information is a mystery to me. The letter was so specific to my mortgage that it seemed like it was from my own credit union, or at least in partnership with it. The letter starts with " Your current loan with _____ Federal Union has been identified as benefitting from the aggressive enhancements made to XXXX XXXX eligibility. These changes will generate economic benefits to those, like you, who have a conventional mortgage '' .... 
I mistakenly answered them online with my email and phone number but after researching this letter online I now realize this company is trying to scam me and try to aggressively get me to refinance my mortgage with them. So now they are harassing me daily in some form as stated above. I want them to stop and be stopped from doing this to anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
The Bank of America prepaid card Edd card is issued and I cant log into the bank account and pay for bills also the pandemic relief is not going through the account for deposit and someone else is using the card

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: EQUIFAX, INC.
State: TX
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 XXXX {$800.00} Balance updated XX/XX/XXXX XXXX late payments Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XXXX XXXX, XXXX Account type Revolving account Usage : 73 % Balance on XX/XX/XXXX Credit Limit {$800.00} {$1100.00} Payment Info Status Paid or paying as agreed Status date XX/XX/XXXX Past due amount {$0.00} Highest balance {$1200.00} Monthly payment {$25.00} Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - - - - - - - - XXXX - - FCRA violations never late prove with wrong address and accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}, {$23000.00}, {$8900.00}, {$160.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$23000.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$8900.00} -This is not my account. 


-- COLLECTION ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$160.00} -This is not my 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 2023-05-16
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I froze my accounts with all XXXX agencies last year. I called to have my Experian credit freeze lifted on XX/XX/15. They claimed they did and provided a confirmation #. However, I am told it is still frozen. 

I have attempted dozens of ways to get in contact with them and they are unresponsive. They overly rely on automated phone system that will not answer my question. I need to know if the freeze was lifted. 

I attempted to use their website, and someone had already logged on as me and used a different email. Now all of their comms are going to the fraudster 's email account. I can not get anyone to help me. They keep sending me to a phone tree that does not help, or a website that I can not log into. 

This is a company that I do not want to do business with. But I have no choice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-03
Company: Bread Financial Holdings, Inc.
State: CA
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 paid in FULL my collection account with portfolio recovery which is a collections agency back in XXXX of 2020. They have already reported their portion to the credit bureaus. But the original creditor which is Comenity Bank/ Victorias Secret has not deleted or at least updated charged off status notations to PAID IN FULL. I spoke with collections agency and they stayed they already updated their part but can not change delete the reportings made by Comenity Bank/ Victoria secret . In speaking with Comenity they are refusing to assist in either deleting or updating the ACCURATE information which is not charged off but paid in full. And it has been this way for months since XX/XX/2020. They are stating at Comenity The day do not make a notation or adjustments that I have to speak with the collections agency but they are not understanding the collections agency has done their job and Victorias Secret has to do their part of their job and they are not willing to assist. This is continually affecting my credit report. I did my part in good faith by paying in full and declining their offer to settle for less. Oh I am asking is for Victorias Secret to either delete which they say they do not delete but at least update my account accurately as paid in full not just charge off. The notes it shows are the same ones that showed before I even paid anything at all which is charge off nothing has been updated or touched or changed. Oh I am asking is for Victorias Secret to either delete which they say they do not delete but at least update my account accurately as paid in full not just charge off. The notes it shows are the same ones it showed before I even paid anything at all which is charge off nothing has been updated or touched or changed. They are just telling me there is nothing they can do after taking my payment at the collections agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-24
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2015 with a balance of {$0.00} -This is not my 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 2017-08-08
Company: JPMORGAN CHASE & CO.
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:
I entered two Charge Backs with Chase Bank. A deposit {$3000.00} which I gave XXXX XXXX XXXX for new sails and then {$3500.00} which XXXX XXXX XXXX charged without my consent before delivering the complete order. On XX/XX/XXXX Chase called telling me they had received XXXX XXXX XXXX 's response letter which they were sending me. I was told that I would need a third party to rebut this letter as evidence that the Sails were not made correctly and that I had not received the complete order. I called Chase twice on XX/XX/XXXX telling them I did not receive the letter sent XX/XX/XXXX. I asked for the letter to be emailed or next day mailed. They said they could not do either. I was told it takes 10 business days to get a letter. I called twice on XX/XX/XXXX to confirm I still did not have the letter. The second call on XX/XX/XXXX, I talked to a supervisor named XXXX for 35 mins. I asked him to next day mail the letter. He did not nextday mail the letter. He told me I had 30 days from XX/XX/XXXX to respond. He was not competent enough to read the letter which stated, " Since this is a time sensitive matter, please provide your response by XX/XX/XXXX '' On XX/XX/XXXX I call again and said I did not have the letter. I was told it would be resent and would take 10 business days to get. On XX/XX/XXXX I called three times trying to get the letter. The last person I talked to on XX/XX/XXXX was XXXX. He said he could fax the letter. He said it would take 5 business days to fax it. I did not receive the fax. XXXX told me I had 2 billing cycles to get a third party letter to rebut XXXX XXXX XXXX 's letter. He was not competent enough to read the letter which stated, " Since this is a time sensitive matter, please provide your response by XX/XX/XXXX '' On XX/XX/XXXX, after still not receiving the letter, I found Chase Bank 's Executive Office and talked to XXXX XXXX. She next day mailed me the letter from XX/XX/XXXX which did state, " Since this is a time sensitive matter, please provide your response by XX/XX/XXXX. '' Chase failure to get me information I needed in a timely manner caused me to loss my Charge Back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased my home on or around XX/XX/2008 and financed {$130000.00} on a 30 your mortgage. Over the past 15 years we have had 3 different mortgage company, not by our choice. in the same time span due to personal illness and job loss a couple of times i may have missed 8 or 9 payments. So in the last 15 years i have had roughly 180 payments at or around {$1200.00} ( includes escrow taxes that i am aware increase incrementally yearly ) to make and have made roughly 170 of those payments through the last 15 years. Most recently with our current company who was using foreclosure to force us to refinance again because we were 2 months behind on payments has us paying more than we did at the start of the loan. the loan now i just noticed is financing {$150000.00} for the next 40 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: Experian Information Solutions Inc.
State: AZ
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:
Loan was paid in full. I have the documentation to prove it! Email confirmation from the company itself stating that the loan was paid off, however, its still showing on my credit report as derogatory and in collections which is affecting my score!

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 2017-09-15
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have tried over the last several weeks to place a " Credit Report Freeze " on my information with the company called Equifax. They suggest using their web site to Freeze Your Credit Report, but the system reports an error " 500 " and will not allow you to proceed. I have called their listed phone numbers, XXXX and XXXX all to no avail. 

I want my credit report to be placed in Freeze before some one uses my information Illegaly. 

XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: Linebarger Goggan Blair & Sampson LLP
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Linebarger, Goggan, Blair & Sampson LLP have sent documents demanding {$290.00} for nonpayment of approximately {$15.00} ( as best I can tell ) of unpaid tolls. Tolls should have been paid through my toll tag account as per their billing police with XXXX XXXX XXXX XXXX Repeated attempts to resolve the issue have not been productive. I am continually told to call somebody else or put on hold. Asking to speak to supervisor does not work it appears they simply find a phone to pick up and lay on the desk with no answer ( I can hear voices speaking in the background but nobody on the phone. The agency refuses to give me a reason for why tolls were not billed or I was n't notified of the issue. Instead they try to shift responsibility to their client despite they themselves giving their own phone number for resolution. I 've stated repeatedly that my purpose is to find a reasonable accommodation that simply does not amount to extortion, but have not desire to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was told by the companies listed below that on XX/XX/2020 if I paid the following accounts off to a XXXX balance the companies paid, would remove it completely off my credit report. The companies are still reporting my account to the credit reporting agenciesXXXX XXXX XXXX XXXXXXXX XXXX. It has ruined my chance at purchasing a home and a place to live for my family. I would like the accounts removed from my credit report as promised. Below are the accounts still reporting to the credit reporting agencies. 


Capital One Auto Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NC XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened a online account with chase I was instantly approved and deposited a large amount of money to me into the account so I wouldn't be charged maintenance fees That was on XX/XX/2020. Before I even got my debit card in the mail they froze my account for suspected fraud. I called to unfreeze my account but they told me I needed to go to my local bank during my states shut down do to COVID-19. I had to call them back after I tried to contact the banks and they said they will close my account within seven days then send me my remaining balance that was on XX/XX/2020. I received a letter in the mail marked XX/XX/2020 on XX/XX/2020 telling me that my account has been froze and they will send me my final closure letter but never received that letter. I called them back on XX/XX/2020 The first representative I contacted I could not understand at all and she told me the same thing that I needed to go to my local chase bank that is over a hour away. I contacted the backs and after needing to call multiple ones I reached the only one that might be seeing people in person and they told me I needed to make a appointment online. I tried to make one but none showed up in my area and The only appointment I could make was over the phone. I called the number I have been told to call XXXX and the representative hung up on me after waiting on the phone for over 25 minutes that is the time it took every time I called chase. I called back at got a representative in the United States and he finally told me that they never closed my account fully and he would start the processes and have my check mailed to me. I still have not received the check and suspect that chase bank is trying to steal my money. I received a credit card statement for my amazon rewards card that is through them and it is not closed yet either even though I can not access the account but no odd charges are on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: Big Picture Loans, LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
I called the company before XX/XX/XXXX to set up to payoff my loan of XXXX on XX/XX/XXXX. After I set this up, I was told that as a courtesy, I could skip the upcoming payment of XXXX that was scheduled on XX/XX/XXXX. I later changed my mind, and did not pay off the entire loan, so after they skipped the one payment on XX/XX/XXXX,, they told me my loan was '' delinquent ''. They did not explain that I would have to catch up that payment before I could put any other amount towards the principle of the loan. I requested that XXXX be put towards the principle with my payment on XX/XX/XXXX, and the agent on the phone accepted that payment amount. For the XX/XX/XXXX payment, they only charged the minimum to my account ( without adding the extra XXXX towards my principle ) stating that this was because I was in default. This is a way to get more interest on this already ridiculously expensive loan. I have done business with them several times before, but recently, they have changed their entire format, and have started doing things like this to get more interest from consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
Hello sir and madam Good day despite of having corona virus pandemic My name is XXXX XXXX card holder of amex, and a XXXX XXXX  The last time i was claimed about refund for my flight, it was charged to my amex and i booked the flight in amex travel using my amex card. 
My flight was cancelled by airline due to corona virus issue and they emailed me that reimbursement from amex travel will be on process. 
I was waiting from amex to give credit for refund but its been more than a month, despite of calling the customer dept.of amex and the amex never return the money and kept charge me for the interest as well because of balance. 
Kindly help me to refund as soon as possible the airline charges to avoid interest I appreciate your help Im a XXXX XXXX  of XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
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 information incorrect

Complaint:
About 3 years ago I was hospitalized In could not pay you need bills and I was living with my parents for a month after for recovery. I had 2 capital one cards,  That were marked 3 months late payments and my account was restricted and shutdown. When I finally got the opportunity I called them and they promised if I paid the full balance that day they would correct the late payments due to the situation and "unrestrict" my cards. I agreed paid both in full right there and requested 1 be cancelled and I would just keep the 1 card in total.  So they took my payments reassuring me they would be marked on time for the time I was in the hospital. Canceled the 1 card due to my request.  3 years later the other card is still restricted And they never marked either one paid on time like they had agreed . I have disputed this probably 10 to 15 times over the last 3 years I have called them multiple times over and over asking for supervisors writing letters and no one is holding up What I was told. I feel like I was taken advantage of by someone who wanted to get credit for taking a payment on a  Restricted accounts.  Today I called and they told me it's impossible for anyone to fix anything. I just want them to mark my payments on time like they promised on both cards.

Company response to consumer: Closed with non-monetary relief