BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-28
Company: Bridgecrest Acceptance Corporation
State: PA
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:
There is an fraudulent car loan on my credit report I sent the credit bureaus the information they needed from me & still no progress please help me with this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
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: Card was charged for something you did not purchase with the card

Complaint:
After making a purchase and picking up my prescription on XX/XX/XXXX from XXXX in XXXX MD I apparently lost or my credit card was stolen. Later that day I received an email from Chase Fraud Alert Services asking if a purchase in the amount of {$250.00} from XXXX XXXX XXXX XXXX was a charge I recognize. I responded on their button " Something is Wrong ''. I sent the email. The card was cancelled immediately and I called the Fraud Alert hotline from chase Card Services as instructed. Three other charges prior to this email were made fraudulently on my credit card on XX/XX/XXXX the same day. 
1. XXXX XXXX XXXX {$410.00} 2. XXXX {$420.00} 3. XXXX {$440.00} I received a letter on XX/XX/XXXX from Chase noting they are adding these back as I benefited from these transactions. I called as the letter noted and appealed that decision. On XX/XX/XXXX Chase noted my appeal and denied it again. I have prepared an Affidavit and notarized the document that these are not my charges. I am a XXXX individual empty nested and certainly did not buy {$860.00} in groceries or XXXX for whatever was purchased. This has never happened to me before where I lost my card and had charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-18
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Back in 2014 a internet scam company from XXXX had me purchase XXXX products on AMX than send the products to XXXX. AMX was on the phone the whole time approving each transaction and increasing my limit as I told them exactly what was happening. When the product was sent and no money, AMX expected me to pay the amount even though AMX clear the increase in credit limit and was an active participant in the scam

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: Pollack & Rosen, P.A.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have been contacted by a firm located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX,, Georgia XXXX they first called themselves, XXXX, XXXX XXXX XXXX XXXX for a debit I could not have incurred as it was when my father was Ill and later died. Then with the same address a group called Pollack and Rosen did the same thing, both representatives threatened to sue me for a firm 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 2021-10-19
Company: AES/PHEAA
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Im XXXX I have 6-8 late payments that are on my credit report. I was on XXXX XXXX that year. I have called each credit bureau several times & submitted several disputes in regards to this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18
Company: Experian Information Solutions Inc.
State: NC
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:
In the matter of XXXX XXXX XXXX. I have started many disputes for the reporting of inaccurate information on my credit reports.in the month of XX/XX/2018, you can see the proof that on Experian and XXXX XXXX at the same time different information was being reported. ( see attached files ) The FCRA protects me from having inaccurate from being reported. Also, I was turned down for credit that I would otherwise receive. In complaint # XXXX with the Attorney General, XXXX XXXX per XXXX On XX/XX/2018, sent a letter saying the account is valid and accurate. I only started looking into my credit in XX/XX/2018, so it only shows the lies from them are true.

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 2020-04-28
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I AM SUBMITTING A DOCUMENT RELATING TO COMPLAINT NO. XXXX BECAUSE THE WEBSITE DOES NOT ALLOW ME TO UPLOAD THIS INFORMATION. 

THE OVERALL INFO IS AS FOLLOWS : CFPB RESPONSE TO LAST RESPONSE FROM BBVA COMPASS COMPASS ASKED WHAT ELSE THEY COULD DO FOR ME. 

I AM TRYING TO GET A RESOLUTION TO VARIOUS ASPECTS OF COMPASS HANDLING OF THE SAFETY DEPOSIT BOX FORCE DRILLED BY THE XXXX XXXX XXXX IN 2009. THIS RELATES TO THE DEPOSIT BOX HELD AT XXXX XXXX XXXX BRANCH IN XXXX TEXAS. IT WAS DRLLED BY XXXX XXXX XXXX, NOT BY BBVA COMPASS, ON XXXX XX/XX/XXXX XXXX ALSO, IT IS BELIEVED THAT THE CONTENTS WERE FURTHER MOVED TO THE FIRST STATE BANK AT XXXX TEXAS XXXX 
PER THE COMPASS INFO EARLIER PROVIDED. THE BOX CONTAINED FUNDS PLUS OTHER RELATED AND ONE OF A KIND DOCUMENTS. COMPASS HAS INDICATED THAT THE BOX CONTENTS WERE ESCHEATED TO THE TEXAS UNCLAIMED PROPERTY. HOW WERE THE BOX CONTENT ITEMS IDENTIFIED TO TEXAS UNCLAIMED PROPERTY? WERE THEY IDENTIFIED BY BBPA COMPASS ( A ) AS A NAMED SET OF ITEMS OR ( B ) AS A NUMBER OF INDIVIDUALLY NAMED ITEMS.? WHAT WERE ALL THE NAMES COMPASS UTILIZED IN DEALING WITH TEXAS UNCLAIMED PROPERTY WHAT ARE ALL THE NAMES AND IDENTI FIERS USED BY TEXAS UNCLAIMED PROPERTY FOR ITEMS, DATA OR PROPERTY ESCHEATED BY BBVA COMPASS. WHO DID COMPASS STATE TO TEXAS UNCLAIMED WAS THE OWNER OF THE DRILLED BOX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had never paid attention to my credit report since I am living overseas. A couple of years ago, I received a collection letter to and old address used in the US and filled and issue with the FBI on a possible Identity Fraud Alert case number XXXX. I have recently notices I have two negative reports on these accounts XXXX  XXXX ACCT # XXXX BarclaysBK ACCT # XXXX Neither of these two accouts was opened or authorized to open by me. I suspect someone who worked for my sonsa and had access to the mail coud heve impersonated me and use my name to obtain these accounts.

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 2017-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
On XXXX XXXX 2017 I filed despites on 4 student loan accounts and XXXX, transunion, XXXX, Never investigated or tried to fix the situation. They did n't delete the accounts that 's past 7 years they did n't fix the amounts they just add remarks on there.satating that they contacted the company which they did n't because I contacted the company.

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 2020-04-28
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I refuse to pay 50 % on a student loan Ive paid 10 x over. I hav e no problem owing what I owe for school which has probably been paid 10 x over : I had my loan way down. I started making goodi have no problem. I will not pay 50 % this is worse than the title stores. Can someone please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: Experian Information Solutions Inc.
State: AR
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 notified Experian thats on or around XX/XX/XXXX that these items on my credit report marked as hard inquiries are mot true & that they be removed I have yet to hear from Experian and the items have not been removed I am filing that these items be removed at once those items are 1. XXXX XXXX XXXX Bulk Purchase Finance - General Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 2. US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 3. XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 4. XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 5. XXXX XXXX Credit Cards Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX 6. XXXX XXXX Auto Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 7. XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 8. XXXX XXXX XXXX Tenant Screeners ( Reseller ) Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 9. XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX XXXX 10. XXXX  XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 11. XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX oval date : XX/XX/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 2022-02-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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: Was not notified of investigation status or results

Complaint:
This KOHLS/CAPONE with account number XXXX is reporting late, yet it is closed and the balance is zero as reported in XXXX and XXXX XXXX Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: Financial Credit Network Inc
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello my name is XXXX XXXX i have been contacting a company that shows up on my credit report as Financial credit Network inc.this company claims that i had a gas bill of some sort in XXXX with XXXX XXXX gas company i called XXXX XXXX gas to inquer about this account they had no knowledge of account they said to contact colection agency collection agency claims date if first delinquncy isXXXX original balance due was $ XXXX then it states that date of last payment wasXXXX well i have told them many times to please show me proof of this payment i NEVER made a payment to them because # 1 i never had any knowledge of this account i have never had a gas stove in my life # 2i never was contacted by anuy one regarding this to make a payment they refuse to tell  me how payment was made or show me original account address 1 day i had a lady accidently tell me then she realized i guess she was not supposed to tell me of some address on XXXX XXXX on XXXX XXXX i have never lived on that street in XXXX XXXX.they claim balance is zero they tell me to just wait it will come off my report well i do n't want to wait because its not my account please please i beg you to help me in this matter all i have is a partial acct # XXXX please help me to remove this thank you i have gotten no where i would never just bother you guys i have spent weeks and weeks trying to resolve this they seem to think because my balance is showing zero its ok and its not affecting me whether it is or not is not the point its not mine i dont believe its fair that its on my report i work very hard and pay my bills on time as i always have i have no other negative accounts nor have i ever why would i not pat a XXXX dollar gas bill i have spent more in stamps disputing it then then the actual bill please you guys are my last resort please help me and send me results to my reporting credit agency there is only1 reporting this XXXX thats it thats all my email is XXXXXXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Chase bank is reporting on my credit card a 30 day late payment on XX/XX/XXXX and XX/XX/XXXX to the credit bureaus XXXX  XXXX and XXXX. 
This is false and I have requested that they correct this and remove the late payment. They still have not updated this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
On the date of XX/XX/XXXX I contacted Transunion about the unverifiable accounts addresses and inquires pertaining to invalid and unauthorized information being reported by information being reported on my credit report. it has been over 30days since I have submitted my dispute and I have heard or seen any progress in an investigation

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 2017-11-18
Company: Receivables Performance Management, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Payment plan was set-up online thru Receivables Performance Management on XX/XX/XXXX and the first payment of {$59.00} was made by XXXX CC.
XX/XX/XXXX- 4 phone calls, XXXX XXXX,XXXX XXXX, XXXX XXXX, XXXX XXXX ( not a typo, back to back phone calls ) XX/XX/XXXX- 4  phone calls, XXXX XXXX, XXXX XXXX, XXXX XXXX & XXXX XXXX  XX/XX/XXXX - 3 phone calls, XXXX XXXX, XXXX XXXX, XXXX XXXX  XX/XX/XXXX- 3 phone calls,XXXX XXXX, XXXX XXXX, XXXX XXXX  XX/XX/XXXX- 2 phone calls,XXXX XXXX, XXXX XXXX XX/XX/XXXX- 3 phone calls,XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX- 3 phone calls,XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX- 3 phone calls,XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX- 4 phone calls,XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  XX/XX/XXXX- 3 phone calls,XXXX XXXX, XXXX XXXX, XXXX XXXX  XX/XX/XXXX- 1 phone call,XXXX XXXX XX/XX/XXXX- 3 phone calls, XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX- 2 phone calls,XXXX XXXX, XXXX XXXX XX/XX/XXXX- XXXX XXXX, XXXX XXXX- answered this call, had to verify my name and address, didnt tell me who he was, was then transferred to a gentleman who asked what he could help me with, I said I didnt know as they called me and I had no idea who he was or what company he was with, he said he would get me to a department that could help, I waited 5 minutes and got no answer then hung up.
XX/XX/XXXX- XXXX XXXX, answered call and advised her that payments had been set-up online and she verified that she saw that and that payments were for {$35.00} XX/XX/XXXX- XXXX XXXX, Answered call and advised that I already talked to someone the day before and that payments were being made and that they were not to contact me again. She said she was noting my file and verified that they did not have the right to contact me again, to which I replied " correct. '' XX/XX/XXXX- XXXX XXXX, XXXX XXXX- Answered call, and advised that this was the 3rd time I have told someone that the debt has been taken care of and they were not allowed to contact me anymore.

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 2020-09-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Please Help, I have tried to reach Bank of America 's Escrow department for over 8 weeks ( starting in XXXX up to now XX/XX/XXXX ) and they hang up. I have also had 2 representatives from the bank hold with me for over an hour and the escrow department picks up and hangs up on them also.

They are reporting false information to the credit bureaus for the last four months, when my payments have been submitted on time in the right amount. I'm trying to qualify for a new loan and this has destroyed my credit. This could cost me an higher interest payment over the life of a 30 year mortgage. I have a substantial amount of documentation to back up my claims. I have over 50 hours in trying to get this resolved.

The representatives from BOA say to me, this just isn't right what they are doing to you. Our system is having major issues and the new system isn't working correctly. The system is all messed up! Everybody  is having to wait. On average, I have had to wait 1.5 hours before any one answers then they have to transfer me and wait another hour or two. One representative told me that there is only 5 people in her department and when she comes in there are 4000 people on hold and sometimes it have been up to 20,000. 

The people I have worked with in customer service say they are going to call me back and never do. This is a mess and the government should step in and force them to hire enough people to handle calls. Actually they should be required to open all of their banks. All of them are closed where I live, so I can't even go to the bank to resolve it.

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 2018-11-18
Company: I.Q. DATA INTERNATIONAL, INC.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This company has never sent any written documentation about the debt by mail. They call multiple times a day. They consistently use different numbers to call. The calls started a week ago. I received a phone call today. I repeatedly asked them not to call during business hours, due to my schedule at work. They are extremely unprofessional and continues to threat to damage my credit and sue me. 

I requested a license number & the representative by the name of XXXX refused to give me the information. I asked them to validate the debt. I have never received a notice and the original creditor has all of my information on file. 

They told me that the original creditor is not allowed to give me any 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 2018-11-18
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/XXXX there was a credit inquiry that showed up on my XXXX account for a XXXX XXXX credit card from CitiBank. I did not initiate this request. 

On XX/XX/18 I was able to speak with someone at CitiBank who confirmed a card was taken out in my name and we closed the account down as I notified them that it was fraudulent. I spoke with a XXXX who told me CitiBank would notify the credit reporting agencies and that I would receive a letter in the mail from CitiBank detailing their findings.

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 2018-11-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I went in to deposit my healthcare checks they were less than a year old. I brought in vail paper work from my Healthcare company all the documents received. The rep called the customer service department and they without any explanation let me know that they were closing my account. I have been a chase customer for 5 years plus and they decided to close my account based on valid checks. I called my healthcare company they let me know that the checks were valid and they were very helpful in letting me know they were going to do a stop on those checks and send me a new check so I would not have any issue. Chase still didn't let me deposit or cash that check. I had to go to another bank and had no issue depositing my check. I have been a chase customer for over 5 years and it was a completely ridiculous situation I had to go through, I have done all my banking with chase.  Now I have an account in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In XX/XX/XXXX I put a fraud alert on each credit report and because of that I am now in XXXX. I would like to take the fraud alert off my credit report.

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