BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-24
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On or about XX/XX/XXXX, my Chase credit card was stolen along with other items in my wallet. I believe my card was stolen around the XXXX XXXX XXXX XXXX. I left XXXX on XX/XX/XXXX and I returned on XX/XX/XXXX. Upon discovery that my card was missing, I reported the card lost / stolen with Chase and they immediately closed and reissued the card on the account. 

There were a number of charges on the card that I did not make. I filled out claim forms with Chase and they recently sent me a letter informing me that the charges were put back on my account. There were close to {$8600.00} in fraudulent charges that I did not make. In doing research, these charges were made around the XXXX area, which is over 300 miles from where I live. 

I tried to call Chase and I was told I had to speak with a specific account representative. The number I was given was XXXX and the extension number was XXXX. I left two messages over the course of three days and I can not get a return phone call from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: Kimball, Tirey & St. John LLP
State: CA
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:
I was going over my so-called credit report and came across Kimball Tirey & St John on my so-called credit report claiming that I supposedly owe them {$620.00} I did reach out to the company onXX/XX/2021via phone call, The receptionist over at Kimball had asked me my name, I gave it to him than he asked me for the last 4 digits of my SSN number to identify me, I responded and told the receptionist that under 42 USC sec 408 the receptionist immediately spoke over me and told me that he was only a receptionist from there he did find the so-called account owed and transferred me to a woman over at kimball, I could not get her name because immediately when she picked up she asked for my ssn than name. I agin told the woman 42 USC she got very angry at me and told me that she has to disconnect the call if I did not give her my SSN, I told her no problem that I will just make a complaint with CFPB so now I am here making this complaint because for whatever reasons this fraudulent information is about I have no idea as yet but Ive never gave anyone permission to put anything on my so-called credit report.

15USC 1692g 15USC 1592n 15USC 1681a. etc etc etc

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Chase charged my account {$100.00} in overdraft fees. They refunded one. I have an agreement with Chase that when my account gets to or below {$50.00} I am to be alerted. This has been in place for years. On XX/XX/XXXX Chase did not hold up their end of the agreement and failed to notify me. They are claiming that in certain circumstances this can not be done. Well, I have never been informed of these circumstances or guidelines. The manager that I spoke with suggested I visit a branch and find out. I refused as this is after the fact and the manager was unable to determine when I signed up for the alerts. 
My question to him was if your records do not indicate the date of the agreement then how do you know what the agreement states. The agreement had no exceptions. Now the agreement has exceptions for this particular situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-16
Company: Rocket Mortgage, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Rocket mortgage would not provide a loan estimate upon request after submitting my application on XX/XX/XXXX. I requested multiple time for a loan estimate but they would not provide one. Even after getting an accepted offer on a property on XX/XX/XXXX, they would not provide a loan estimate until I provided the completed purchase agreement and other documents. For multiple days, they said they " do things differently '' and would not provide that loan estimate without the " required '' documents. They wouldn't even provide information on the estimated closing costs including origination and loan fees. I explained the 3 day requirement and the information provided by CFPB, and they sill would not give the loan estimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax is reporting inaccurate information on my credit report passed the 7 years statue of limitations in California ... some of the items are 14 yrs old ... why?? these items shouldve been deleted years ago..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: NCB Management Services Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, Al XXXX SSN : XXXX DOB : XXXX NCB Payment and Correspondence is listed on my credit reports but i have no debt with them. I was told they bought my account from another collector. After reviewing my credit report I noticed a lot of inaccuracies on my credit for said account. The date the account was opened is wrong for all accounts. Also, the date the account was reported is not correct. There is no verification date listed on my credit report. The date shown for last activity is not correct. There is no last payment date listed. Please investigate so that I can have these errors removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: Experian Information Solutions Inc.
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:
Not showing how they verified any standing deputes. Never receive a letter on whom they spoke with or how they conducted there investigation. Only stating it was verified but not how. Never received credit report with credit scores. And this from XXXX  and experian. For a bankruptcy. That should have been removed. It has been removed from my XXXX credit reporting. Because they have not done there job properly nor fairly I would like all items that I disputed be removed. 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 2018-05-24
Company: BTH Management
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:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have made a report with the FTC identify theft. Enclosed is a copy of the report. XXXX XXXX, Originated from XXXX XXXX XXXX Amount of {$3500.00} Please block this information from my credit report, pursuant to section 605B of  the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. I have filed a FTC identify theft report enclose in my complaint. 
I appreciate your prompt attention to this matter, and await your reply.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: JPMORGAN CHASE & CO.
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: Other problem

Complaint:
I purchased XXXX XXXX running shoes on XX/XX/2020 for an ultramarathon race. Testing shoes requires running many miles in them to see if your feet adjust to it. After trying the shoes on several outdoor trails, I developed pain after running 15mi in them, so I tried taking back to the running store, but they can not take it back because they've been worn. 

So I attempted to use Return Protection Benefit on my Chase Sapphire Reserve card. My claim was denied because they said this benefit was not on my account at the time of purchase ( XX/XX/2020 ). 

I dispute this because I've had this card for a while and I have not received any notice saying that this benefit was going away. 

I paid {$100.00} plus tax for these shoes, and I wish to use the Return Protection Benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I try to make a purchase with my capital one credit card however the purchase was not approved. I called capital one and explained it. They said it was a restriction on my card however if I made a payment the restriction would be lifted. This is not true because they still have not removed the restriction despite that I have made the necessary payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received a call from Wells Fargo 's Fraud Prevention Contact Center on XX/XX/2021 about funds transferred into my checking account on XX/XX/2021. The transfer was from a bank in the XXXX and I was told that the account holder never authorized the transfer. They asked if I knew the person and I did not and they asked me how someone would get my account information. I told them the reason why. The Wells Fargo representative then told me my account would be closed and I would receive any remaining money in my account by XX/XX/XXXX. It wasn't until I receive an email from Wells Fargo that it indicated I could not withdraw any funds from my account. 

I called the Fraud Prevention Center back and the gal was so rude to me and I asked to speak to her manager. She transferred me to XXXX XXXX XXXX XXXX, which I had to hang up before I could talk to them, because I received another important call. The transfer I was supposed to receive was from another bank in the XXXX and another account holder, there must have been some mix up. Instead of calling the Wells back, I went into the branch and the bank manager tried to get some money out of my account and the XXXX XXXX XXXX XXXX refused to give it to me. I was extremely upset. How was I to pay my bills, get my medications, or get groceries? 

I called the Fraud Prevention Center back because I have a business account and was expecting a wire transfer for that account and I asked if it was closed too and they told me it was, so I had the gal transfer me to XXXX XXXX XXXX XXXX. I told the guy that needed money to survive. Also, Wells just received two large payments into my account. Finally they were going to let me have the money from my last payroll deposit, but the account is still being closed and they don't want to do business with me. I don't want to do business with them either! 

I have had this account for almost 20 years and I was totally being treated like a criminal by Wells Fargo Fraud Prevention Center and the XXXX XXXX XXXX XXXX. Their treatment of me was disrespectful and disgraceful that I wish I could let their CEO know that the culture they foster is a detriment to all their customers and now former customer.

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 2018-06-07
Company: EQUIFAX, INC.
State: MD
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:
Please remove the following fraudulent inquiries from my Equifax credit report : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company sent my loan to collections, I received a call from someone claiming to be from the county court house. This person stated a warrant has been placed against me for a civil suit with no trial date been set and that I had to pay to avoid court. I told them I needed to do my own research on the matter prior to paying and they insisted I call whoever you want they will make you call us again. As it turns out there is no civil suit and it was just a high pressure scare tactic to get the debt paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I put this in twice already to you and I have talked to XXXX  and XXXX in the corp office no one wants to help these 2 late payments were due to the corona virus and they woudlnt anything for me until I get up my account In XXXX I could not because of the virus and none of them want to lift a finger to help and I am really really upset these 2 late payments were out of control they don't seem to understand that I have last payments before due to there cutoff times there cutoff times are not fair to people in the west coast to make it due by 6 I work until that time and usually pay after work put every one of them were on the same day maybe missed by four or five minutes because they have unreasonable cut off times for people in the west coast but I never really missed a payment in years and the only reason these ones were missed in XXXX is because of the corona virus and they still stick it to me and there managers are all rude and sound like a broken record

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
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: Information belongs to someone else

Complaint:
I had Identity theft from the " XXXX XXXX XXXX '' in XX/XX/2015. I ask for Equifax to remove my wrong information on my credit report. but they still keep it open on my credit report. I don't know what to do. this account really not belongs to me and someone uses my information and applies or maybe confusing with someone else. please clear this. this is not mine. and wrong information on my credit report. please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-21
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
The ATM machine at Wells Fargo in XXXX NY has been broken fir some time. The machine jams and logs the money incorrectly. The claims department is rude, not helpful and discredits the customer. I am talking about thousands of dollars miscalculated. The bank says-its counted and you got a receiptsorry ( not sorry ). The bottom line is the machine is STILL broken and they claim no way can there be an error because the machine balances the money. The video cameras at the bank should be used to see that this is blatantly not true and see people losing their money. Instead of looking into this-they claim the bank does not own this ATM. In addition, no one in customer service is friendly or helpful. Not even the executive offices. Run away from this bank of you can-its awful.

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 2018-05-24
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
My husband and I submitted a credit investigation request to the credit bureaus on XX/XX/2018. More than 30 days have passed, and we have yet to receive our 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 2018-05-24
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: Investigation took more than 30 days

Complaint:
My husband and I submitted a credit investigation request to the credit bureaus on XX/XX/2018. More than 30 days have passed, and we have yet to receive our 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 2022-08-09
Company: TRANSUNION INTERMEDIATE 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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2600.00}, XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$1400.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$6000.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$3400.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$3400.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$9500.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$9000.00}, XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$3100.00}, and XXXX  XXXX Date opened XX/XX/XXXX Balance {$410.00}.

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 non-monetary relief
Consumer complaint received 2020-12-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
PORTFOLIO # XXXX THIS COLLECTIONS IS CONSTANTLY REPORTING ON MY XXXX CREDIT REPORT EVEN THOUGH IT'S A VIOLATION. 
I'VE DISPUTED THIS A NUMBER OF TIMES AND STILL COMES BACK VERIFIED PORTFOLIO # XXXX SHOWS A PAYMENT STATUS OF 120 DAYS LATE AND PAYMENT ACTIVE AFTER PAST DUE $ XXXX ON A COLLECTION Account Type : OPEN

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: Early Warning Services, LLC
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: Problem with personal statement of dispute

Complaint:
I was a victim of identity theft and have been trying to get my life back together, and have endured financial struggles due to the theft. I am almost homeless, and have taken all opportunities to survive. I have been trying to open checking accounts, as well as get a loan, and have been turned down each time. each of the credit agencies, as well as Early Warning Services , LLC, and XXXX have contributed to these denials. XXXX  XXXX XXXX, XXXX XXXX, and XXXX have closed accounts without giving me an explanation of why.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: Atlanticus Services Corporation
State: FL
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:
Fortiva financial services continues to contact me after I asked them to cease and desist from communicating with me regarding furniture financing. I would like this charge somehow removed from my credit reports as I am fixing my credit and have accounts now in great standing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation