BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-18
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
American Express is attempting to dictate what rules are allowed/disallowed by means of communication over phone calls. 

See below : Federal law permits recording telephone calls and in-person conversations with the consent of at least one of the parties. See 18 U.S.C. 2511 ( 2 ) ( d ). This is called a " one-party consent '' law. 

American Express is not mutually agreeing to recorded phone conversations on the borrower 's end. Please keep in mind that Federal Wiretapping laws permit mutual recordings if 1 party claims to be recording a conversation. Right away, I can already submit documented accounts of American Express representatives not giving consent when in reality, they lose their right to non-consensual phone recordings from the opposing party if they, themselves initiate the recording as part of their company policies. I'm quite surprised that American Express maintains non-consensual recording from their end when this is a very common law in the United States. If American Express wishes to continue alerting its members of non-consensual recordings from the member 's end, then, I believe they lose their right to continue advising members that they are going to record the conversations going forward and should be forced to cease all recordings from that point. 

American Express continues to flourish in its countless incompetence, and it's really quite appalling that this Credit Card company is masked in the illusion of no wrongdoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My account was compromised on XX/XX/2022 My account contact information was changed. A XXXX account was made and 2 {$500.00} transactions were taken from the account. I contacted the bank the account was frozen until I was told I needed to go to the bank in person and order to have it unfrozen. On XX/XX/2022 I received another email that my contact information had been changed again and two more XXXX accounts were set up. I went to the bank and spoke with XXXX XXXX, explaining to him the situation we closed the original account opened a new one as well as changing the username and passwords. The two {$500.00} transactions were refunded to the account. On XX/XX/2022 the account contact information was changed once again. I called the fraud hotline they said that the only thing they would be able to do for me would be to change my information back. On XX/XX/2022 another notification was emailed to me that my contact information was changed again. I went to the XXXX XXXX sheriff 's department and filed a complaint on XX/XX/2022.

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 2019-05-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I Have sent letters to all three credit reporting agencies to verify some information on my report and they keep sending back that the information has been verified But I have contacted the original creditor and the sent back saying that they have no information for this account so how can it be verified as accurate

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 2017-11-24
Company: Experian Information Solutions Inc.
State: GA
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:
my issue is more that the category than I selected. but I mailed the credit bureau a certified letter after disputing online and incorrect accounts came back verified. In this letter I asked to be mailed a copy of what they have in their system to show what they are using to verify and validate that the items I have been declared incorrect, correct. Instead, they sent me a copy of my credit report and denied me my right per FCRA. this is against the law. Below I have the issues that I asked to be corrected. 

2 Inquires- XXXX XXXX XX/XX/XXXX and XXXX XX/XX/XXXX XXXX XXXX XXXX.-XXXX Paid Never Late ( but they have 1 late  payment listed ) XXXX XXXX Account shows late payment when acct should have been in deferment due to being in school at XXXX XXXX XXXX XXXX XXXX account does not belong to me and has been removed off of XXXX and XXXX. Experian has not removed account after mailed follow suit letters

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 2019-05-07
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX I settled the account in the amount of {$720.00} to XXXX XXXX XXXX  with XXXX XXXX XXXX for the amount of {$470.00}. XXXX XXXX  showed my account as settled on my credit report then Phoenix Financial wound up with the account, posting it for collections on the same day I settled this account. I disputed this collection and it was not removed from my report stating the account is valid. I have documentation from XXXX XXXX XXXX stating this account is settled and has a {$0.00} balance as well as the bank transaction showing the money paid out to them. I would like this corrected ASAP on my credit reports. Thank you in advance for your 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 2018-05-21
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Made a pymt five days late as we have a family member hospitalized. Realized it and made the pymt immediately only to have our credit line reduced from {$7500.00} to {$2700.00} without warning. TD Bank listed two reasons on a letter dated XX/XX/18 that are completely untrue as to why the CL was reduced which are 1 ) you are not paying down your balance fast enough and 2 ) number of accts delinquent. We just used the card for the first time and have rec 'd only one statement and have made our pymt although it was five days late. How can this be legal to use false reasons to reduce our CL? Also, the is one old delinquent acct on the three bureaus just as it was when we were immediately approved for the card. When I tried to explain the above, no one wanted to hear it. How can this be legal to now use this as a basis for reducing the CL? Fortunately we are in the position to pay off what we owe and open a new acct to help offset our closing of this acct which we will do soon. We have abt $ XXXX available in unsecured credit and certainly don't have to be treated this way without so much as a phone call. Their customer service could care less. I'm assuming by the way TD Bank does business that they have never made a mistake or missed a pymt for a very legitimate reason, caught it and corrected it immediately. Please be careful using TD Bank and making a mistake. Our error cost us 85+ points in our credit scores overnight.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: I.C. System, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I received a written communication from IC Systems in XXXX. XXXX MN offering to settle a debt for 25 % of the balance owed. The account is on behalf of my son and I am the individual financially responsible. The written correspondence came directly from the company and stated the percentage amount and amount to be payed to settle the debt completely. I contacted the company on the morning of XX/XX/XXXX and spoke with an individual stating I could pay the amount via their online payment center. I paid the amount stated in the correspondence received from IC Systems to settle the debt in it's entirety on XX/XX/XXXX. I then contacted IC Systems to confirm receipt of the online payment. They confirmed, however, they then said that the offer sent dated XX/XX/XXXX offering to settle the debt for 25 % / {$480.00} was incorrect and that additional money was owed. I stated that I had talked with someone that morning, and that was never stated. Also, I was in receipt of the unsolicited offer from them, with the specific percentage and the amount owed to settle the debt. I also stated that I paid that amount based on their unsolicited offer to settle the debt in full. The individual would only state that the letter was sent in error.

They then sent a letter dated XX/XX/XXXX - 3 days after I paid the amount in the original offer and having talked with a second IC Systems representative - stating the original letter was sent in error. The second correspondence was extremely brief and did not provide nearly the same detail as the first letter and was clearly written in response to my phone call.

I feel this is fraudulent. I am in receipt of t he original letter sent by IC Systems offering the settlement and I have my receipt showing that amount paid in full. They are now attempting to say that the original offer was invalid, although they accepted payment. I did not solicit the original offer and I feel they engaged in fraudulent and misleading practices and should be expected to honor the original offer they sent, that was paid - again, per their written offer.

The debt was settled based on their offer and should be honored. To come back after the fact should be considered fraudulent and harassment.

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 2016-05-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
RE ; CHASE HOME FINANCE - LOAN # XXXX This is my last and final attempt to get help avoid foreclosure. It is now over 3 years since i requested for Chase to help me avoid foreclosure under a HAFA Short Sale. After XXXX different realtors working on my request, Chase keeps playing games stating that i need to hire a new realtor in order for them to review my account for a HAFA Short Sale. 

Now this is the XXXX realtor that i hired, an application was provided again for the 8th time. Chase now is telling me that my application was received since XX/XX/XXXX however the processor ( XXXX XXXX - XXXX ext XXXX ) who is reviewing the file is out on vacation since XX/XX/XXXX and they dont know when is he returning from vacation. 

Im not sure if thats a reasonable answer but this is ridiculous that after 3 years trying to get this HAFA Short Sale approved. Chase keeps getting away with this excuses. 
please help since i feel that Chase is just purposely delaying my application so the program can expire and foreclose on my home. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: EQUIFAX, 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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there ae several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: Experian Information Solutions Inc.
State: TN
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:
I have an Experian Credit membership # XXXXDuring 2019 I have substantially paid down my debt to the point my FICO went from XXXX to XXXX on my XX/XX/2019. Suddenly, even though my credit situation improved on XX/XX/2019 my FICO dropped 14 points, experian sent me 2 email alerting me my score drpped from XXXX to XXXX. I called for two ( 2 ) days the customer service required my SSN and as soon as I entered my SSN the call would drop. I called Corporate they hung up on me or sent me to customer service who would hang up. I explained I want to dispute a drop in my FICO but I have to know why it dropped the credit report still says excellent. Experian Credit reporting said 'we do not know why your FICO dropped it ' there is nothing we can do. This membership and this business 'RUINS ' a persons credit without any explanation. I want them to explain why they dropped the FICO ; I want a dispute process when the only dispute is randoming dumping FICO scores of people. This is not accurate to drop a FICO when debt is paid on time and there has been no change in financial situation. I move a lot for my job this makes it difficult to negotiate new apartments. I

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 2017-11-30
Company: Experian Information Solutions Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My father and i have the same name, he is XXXX and i am the XXXX. His credit card is showing up on 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 explanation
Consumer complaint received 2015-09-10
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
XXXX XXXX is attempting to collect a debt that was discharged. They are harassing me at my workplace and at home. It appears that they know the ramifications but they are persistent and they are sneaky and nasty ( and intrusive ) with their ploys.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: JPMORGAN CHASE & CO.
State: HI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had been making extra payments to the principal to lower the LTV ratio to remove the PMI insurance from my loan. Once my LTV ratio was 77 %, I asked that the PMI be removed. Chase informed me that I could pay for a BPO {$110.00} or appraisal $ XXXX-XXXX to remove the PMI before it would automatically remove on the scheduled date. I contacted Chase and was told that a waiver would be submitted for the XXXX fees. I received another letter stating I must pay {$110.00} for a BPO to remove the PMI from the loan on the scheduled date and the LTV ratio is now 76 %. Also, all payments have been made on time and I am in good standing on the loan. A quick scan on the internet estimates the home to be valued at double the loan amount. I have n't found anything in regard to laws that prohibit lenders from charging consumers to remove the PMI once the loan hits 78 % LTV ratio.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
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 is missing that should be on the report

Complaint:
Today XX/XX/XXXX I received a TransUnion letter that showed its continuous persistence to violate my rights asserted under the FCRA and other applicable laws ( attached file of my personal information within TransUnion shows unauthorized and never existed before account with XXXX XXXX under description # XXXX. I disputed this account and Transunion just wanted to retaliate too against me in this directed blacklisting and retaliation from Some corporates of scam and fraud their end is soon and they will dissolve ). 


- - - I repeatedly proved with evidence that the only XXXX XXXX credit account that I had had the following description as shown in my attached Transunion Credit report of XX/XX/XXXX ( I also attached the exact page 27/35 of the credit report where information of the account located ) : # XXXX which Ive kept paying for its balance until this month I paid off ( see attached copies of payment checks ) and it was already closed by XXXX XXXX on XX/XX/XXXX according to XXXX XXXX itself and it is a different long detailed story of retaliation. I also attached my last check payments via Bill-pay service from my bank. The payments were all for account # XXXX. 

- ______________ Conclusion : Account # XXXX is missing from my credit report. 
Unauthorized account # XXXX is forced against my will on my Transunion file and by Transunion that knows now and before the above facts with undeniable proofs. 


Demand : 1-delete immediately the unauthorized account XXXX and its information because it is not correct it is inaccurate. 
_________________ 2-fix and put back the correct account information for my account # XXXX - - It is that very simple and easy fix if I do not see my Transunion credit report fixed and corrected by Transunion from the errors and/or inaccurate information referenced and detailed above and as soon as possible. Then Transunion decided to dishonor the law and has no respect to the role of the CFPB in this process now. 

__________ All stated herein is to my current states belief, knowledge and understanding and it is all subject to any correction or any thing and only by my person or my representative and at any time and Without waiving my rights. 


Thank you, 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 2015-04-30
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
In XXXX, 2014, I contacted CHASE Mortgage and proceeded to apply to have my mortgage interest reduced from 8 % to 2-3 %. This was on my XXXX mortgage. 
Over the next 4 months, I submitted information for their underwriter on XXXX separate occasions. My responses were often to repeat requests that were already submitted. They were sent registered mail. This continued for 4 months. Finally, in XXXX, I informed them that I wanted a written decision from their underwriter in XXXX business days. This was never honored. It is just ridiculous that I had to submit the same items and received no service. All I wanted to do was reduce my interest rate. In XXXX phone conversation with a supervisor, I was told, '' Well, you can afford the payments. Why do n't you just continue to pay? '' I was shocked. These are totally unacceptable business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18
Company: JPMORGAN CHASE & CO.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Received a phone call from XXXX lady said she was from apex and I was to call XXXX XXXX XXXX I called spoke to XXXX XXXX He said he was from a litigation group in XXXX XXXX XXXX said I gave him the collection number I was given XXXX said that he was trying to collect from a debt XX/XX/XXXX from Providian Credit cards Said was written off XX/XX/XXXX. This was well over the 4 year Statue of Limitation in XXXX. I told him that I did not know anything about this and that he needed to send me any information in the mail certified. He also said that he was going to sue me in court regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: EQUIFAX, 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 am a victim of inaccurate/unverifiable/invalid/and-or possibly even fraudulent misinformation. I am writing to request that you block the following unrecognized and/or fraudulent information from my credit report. I have no idea how the misinformation come to take place. I also have no knowledge of any person/persons/or entities that might be responsible. I have not received any money, goods, or services as a result of the disputed misinformation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: ARVEST BANK GROUP, INC.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX XXXX XXXX transaction was erroneously debited to XXXX XXXX 's checking account for {$180.00} leaving an XXXX year old woman with no money for the remainder of the month. The account became delinquent Friday, XXXX XXXX, 2017 because of an error by the bank.The Arvest Bank Representative on XXXX XXXX XXXX in XXXX, MO referred to it as an " error '' and the best they could do is credit the account possibly in 10 days time. Truly not acceptable when a financial institution has the ability to credit faster and the bank representative had concluded his 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