BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-18
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX, I noticed there was a quickpay XXXX money transfer for {$200.00} that went to a contact I had not used before. The only information I was able to see is a XXXX email address ( XXXX ) and their name ( XXXX XXXX ). No phone number was provided. I was surprised that this happened and immediate contacted Chase Bank. 


I called the XXXX number on the back of my card as I caught it in processing. They tried to see if they could stop it and then told me they couldnt. In addition, when I asked them for more information they could not give it to me. They did not even mention to file a police report or prosecute the person. How do I know it's not a Chase Bank employee or friend/acquaintance of an employee there. 

I asked what else could be done as the money had gone to someone it shouldnt have and I want it back. They escalated it up, and I spoke with fraud. 
They told me they would investigate but that it was unlikely anything would happen. I was to receive a call back in a few days. 

That didnt happen instead about 2-3 weeks later I received a brief form letter from chase saying it wasnt fraud they determined the transaction was fine and Im XXXX out of luck. Chase Bank lacks professionalism, has poorly trained fraud and customer service staff -- from my experience, and I have lost trusted in them. Chase Bank representatives stated and implied that when a customer uses their quick pay XXXX feature that the bank is immune for any dispute or fraudulent activity. 

I started to research and tell others of what had happened. I found an article on XXXX from XXXX XXXX, titled " JP Morgan Chase glitch gave some online users access to others ' accounts. '' First, there was communication or mention from anyone at Chase Bank about this situation or that possible I could have been a victim of this ordeal. According to a XXXX XXXX that could not confirmed that there was or how many unauthorized money transfers. What I am asking for is the return of the unauthorized transfer of money for {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
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:
Bank of America acquired my second mortgage from XXXX and never notified me of the acquisition resulting in 60 day late payment. They claim to have sent a notification mail to my physical address but this was never received. I also confirmed later that they had two phone numbers and an email address that were still active options to contact me. Back of America made no attempt. This account is 10 years old and has never had a late payment despite being transferred 3 times to other mortgage companies previously. This was negligence by Bank of America and should not be on my credit report. This is an extremely systematic and unfair reporting practice.

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 2019-10-03
Company: I.Q. DATA INTERNATIONAL, INC.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX my family moved out of XXXX XXXX at XXXX XXXX XXXX. On XX/XX/XXXX & XX/XX/XXXX IQ Data International contacted both my husband and myself via telephone about a debt we were unaware we even had from XXXX XXXX. IQ Data has accused me 3 times of lying about receiving their mail. I can't make someone believe me that I'm telling the truth. I have not been able to verify the validity of this amount with the company who has sent me to collections and I've emailed them twice and called multiple times and no answer. I have no proof of the validity of debt. I have simply asked them to resend their letters with a full accounting and informed them that until that time I will exercise my right to dispute the debt. This infuriated the customer service person who called me today. He told me that if they send me a letter what's to say that I won't lie about getting it. They previously told me that they are marking this account as " refuse to pay '' and reporting it to the credit bureaus.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: ENCORE CAPITAL GROUP INC.
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Repeatedly sent letters disputing all 8 accounts listed with Midland credit management. They are breaking fair debt collection practices by not responding accordingly to my letters. I asked for appropriate information within the time frame by certified mail, but they just keep sending more debt collection letters. I'm also being sued for the XXXX  XXXX account after they said they would take it off my credit report on XX/XX/2019. I feel this company is getting away with breaking this debt collection practices and NO ONE CARES!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: Ad Astra Recovery Services Inc
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Original date of loan was XX/XX/2018 with the lender being XXXX XXXX XXXX. When I was approved it was for {$500.00}. After the loan was already on the way to my bank I was informed the payoff would be over {$1800.00}. I was furious about the deception of this preditory lenders and tried to return the money. I was informed to bad to late. After some auto electronic drafts against my bank I tried to reach an agreement with the lender. They refused. These lenders prey on the desperate with deceptive practices. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: I.C. System, Inc.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Anteriormente haba enviado una solicitud y su nica respuesta fue una lista detallada de los supuestos cargos que usted afirma que le debo. Solicito pruebas de que soy efectivamente la parte a la que solicita el pago de esta deuda ya que lo que me enviaron no es suficiente y la verdad que su falta de informacion me esta afectando emocionalmente. Se agradece su atencin inmediata a este asunto

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 2017-11-20
Company: Experian Information Solutions Inc.
State: IL
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:
To Whom It May Concern : I am disputing the following items that have been posted to my credit report ; therefore, please remove or update the status of these based on the reason of the following : Company Account # Amount 1 ) Dept. of XXXX Acct # : XXXX in the amount of {$9200.00}. 
2 ) XXXX. of XXXX Acct # : XXXX in the amount of {$12000.00}. 
3 ) XXXX. of XXXX Acct # : XXXX in the amount of {$8900.00}. 
4 ) XXXX. of Ed/Nelnet Acct # : XXXX in the amount of {$14000.00} 5 )  Dept of HC FAM SVS Case # : XXXX in the amount of {$77000.00}. 


1 ) XXXX of XXXX # : XXXX This account has been resolved as of XXXX XXXX with a payment arrangement and consolidated into XXXX account # : XXXX and this information should not be in collection file and deleted immediately from my credit file. 
2 ) XXXX. of XXXX XXXX XXXX Duplicate Posting Please Delete Immediately. 
3 ) XXXX. of XXXX XXXX XXXX Duplicate Posting Please Delete Immediately. 
4 ) XXXX. of XXXX XXXX XXXX XXXX XXXX. Please Delete Immediately. 
5 ) IL XXXX XXXX XXXX XXXX XXXX XXXX Case # XXXX the was the incorrect amount and should be adjusted to the correct amount and not past due. Please update file as Paid as Agreed.
6 ) All accounts labeled XXXX XXXX. of Education Collection accounts are Duplicates that should be Deleted Immediate Pursuant to the payment arrangement and where Duplicates Fraudulently Posted to my Credit File to Sabotage my personal Credit Worthiness The above items should either be deleted or updated immediately in my credit file. Moreover, I noticed several multiple postings in my credit file by several of the above companies, which is illegal according the Fair Credit Reporting Act. Please update my credit file immediately or further litigation will follow including filing a complaint with the XXXX XXXX XXXX. 
By provisions of 15 US section 1681i of the Fair Credit Reporting Act, these items need to be investigated. Please provide me with proof of these items, specifically the contract, note or other instrument bearing my signature or a documented record of payment history. 

Failing that, please update my credit file to show : PAID IN FULL, NEVER LATE, or delete the items from the report as soon as possible. 
Moreover, I noticed several multiple postings in my credit file by several of the above companies, which is illegal according the Fair Credit Reporting Act. Please update my credit file immediately or further litigation will follow including filing a complaint with the XXXX XXXX XXXX. 

Yours truly, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: ALLY FINANCIAL INC.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2019, my car was totaled in an accident. The insurance company paid the balance of the value of the car around {$7000.00} In XX/XX/2019, I contacted XXXX XXXX XXXX  to file a claim under Gap coverage to pay off the balance of what my insurance would not cover. 

Constantly called Ally Financial the lien holder for several weeks. Recently, I called and asked did XXXX XXXX pay off the remaining balance of the car. They would not give me any information. I informed that I tried to access my Ally Financial account online and it says that my account was closed. I recently learned from my credit report that XXXX XXXX did not pay off the full balance that was covered under the Gap insurance and Ally is billing me about {$2700.00} to pay this debt without letting me know it existed before they put it on my credit report as a balance owed. They never explained to me why or how they derived at this figure. Neither company could explain where this figure comes from and why am I obligated to pay it at {$410.00} a month. I no longer own the car, it was signed over to my insurance company back in 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 2021-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Old information reappears or never goes away

Complaint:
I was the victim of a scam in 2019, I did the police report and everything, my account was closed due to fraud, but my credit card was still open, I paid the remaining balance more than a month ago. I'm still not able to open a bank 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 2018-10-29
Company: SYNCHRONY FINANCIAL
State: MA
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:
We had a promotional 0 % interest rate on a balance for 24 months. Our last promotional payment will be paid soon. Throughout all this time, there were times that I bought other non-promotional items and we paid the amount due on these items and the XXXX payment plus more to make sure we didn't get any fees. 

Up until this monthly statement, everything worked as we expected. This month they charged us a minimum interest charge of {$2.00}. I spoke to 2 people at the CC Company ( JCPenney XXXX ). First I spoke to XXXX who couldn't waive the fee. I asked for someone who could and was transferred to XXXX. She said that even though we paid the amount due plus more, we hadn't contacted them to tell them how we wanted the payment allocated so the balance of non-promotional items was carried over ( even though it didn't show as being carried over and this had never happened before. ) She did take care of the charge and re-allocated our previous balance. 

I just want to make a formal complaint against this process, which, by the way, is not stated anywhere that I can find on the statement. I'm sure they have done this to others who probably either didn't notice or just paid it since it is a small amount. Imagine $ XXXX times how many customers. 

I intend to cancel the card and stop shopping at JCPenney, but I want to make sure that someone investigates this and makes sure it doesn't happen to anyone else or with any other 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 2018-05-12
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
MONEYGRAM FAILED TO FURNISH FORMS REQUIRED TO PULL MY WIRE TRANSFER HISTORY FOR ALL DOMESTIC AND INTERNATIONAL WIRE TRANSFERS FROM XX/XX/XXXX TO XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 just pulled my credit report and I found a lot of accounts that I don't recognize ever doing business with the following companies : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX I have filed a complaint with the CFPB and FTC and now with the XXXX Police XXXX.Someone has been using my name for accounts and credit cards.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: ALLY FINANCIAL INC.
State: MS
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 recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is affecting my chances on establishing a great history with the current company. The name of the inquiry is ALLY FINANCIAL. The inquiry date is XX/XX/2018. The bureau reporting is XXXX, XXXX, and XXXX XXXX. 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 2018-09-11
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient wrongly placed my loan into in-school deferment sometime in XXXX. I was not given a notice of this, but a blurb was buried on my XX/XX/2018 statement. Having been enrolled in Autopay, I do not routinely check my statements, instead relying on my Loan Servicer to collect the payment appropriately and keep me on track for full repayment by my maturity date. Never having requested in-school deferment, Navient neglected to collect my loan payment for the following months, until I discovered it today. Upon contacting Navient by phone on XX/XX/XXXX at XXXX Pacific time, I  spoke with XXXX, Rep XXXX. She claimed that I was sent a communication in the Navient portal, and upon further questioning realized that no separate notification existed. It was instead an after-the-fact notification on a monthly statement, after the change had been made without my consent, hidden in a monthly statement that I had not been checking because my loan was enrolled in automatic payments. I have asked that Navient refund the capitalized interest, and indemnify me from their mistake by crediting the accrued interest from the deferment that I did not request. When XXXX declined to do so, I asked to speak with a supervisor. XXXX, XXXX, joined the phone call, giving her title as Supervisor. " On behalf on Navient I sincerely apologize that you were not notified. '' She confirmed that during the deferment period that my loan was put on, not only were payments not collected, but a 0.5 % interest rate reduction for being enrolled in autopay was also removed. I requested that my loan be removed from deferment immediately, and that regular payments begin being made. This call lasted approximately 50 minutes. As a result, I have had over {$250.00} in additional interest be capitalized to the loans principal, and have not had over {$1000.00} in principal reduction made.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
Company: Northwest Collectors Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is reporting a negative account on my credit report, and we do n't have any contractual relationship that make this company entitled to enforce inaccurate credit information on my credit profile. 
I tried resolving the issue with XXXX on XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. Also, I sent the company a letter on XXXX/XXXX/XXXX asking for a legal contract and there was no response.

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 2020-09-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Made a purchase on XX/XX/2020 for {$28.00} on a XXXX website for electric bike on sale. Too good to be true. Order confirmed, shipped and delivered all on the same day. Tracking no. provided by the XXXX company was manual.Never got the delivery for electric bike. 
The credit card company asked me for physical proof. I send me them the photocopy of email transaction.I m told by the credit card company to send the details about returning the merchandise, what am I suppose to return. 
I have been denied the refund. Please do the needful. Thankyou

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-10
Company: EQUIFAX, INC.
State: MO
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 identity has been compromised in the process of relocation. And this has not only affected me emotionally but also has affected my credit worthiness. It seems as in today 's world its easier for someone to become another more than one as their natural self. However, it's good to know that agencies such as the FCRA and FTC protects consumers from things of this natural from the three ( 3 ) major credit bureaus reporting false or fraudulent credit data. I'm demanding that the following accounts inwhich I'm personally affected by be blocked immediately from my credit report. Accounts ( 1 ) XXXX XXXX {$3200.00}, ( 2 ) XXXX XXXX {$1700.00}., please remove these accounts or provide me with physical documentation, signed, sealed and certified inwhich substantiate Equifax, XXXX, and XXXX  credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: Experian Information Solutions Inc.
State: NV
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 are some accounts listed on my credit that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-19
Company: Focus Holding Company
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a balance of about {$980.00} on my credit. I For Focus management.. 
It was not mine.I called the original company which is XXXX XXXX. Gave them the account number they verified uts nit mine. I have deputed with XXXX and XXXX  twice.XXXX was the only one to remove it.. 
They refuse to remove.I have also contacted XXXX XXXX XXXX XXXX Gave them the account number that shows on my credit. Its not mine its my daughters from her previous address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
Company: Perfection Collection
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:
I HAVE CANCELED MY ALARM SERVICED CAUSE IT WASNT WORKING PROPERLY SO I TOLD XXXX ( THE ALARM COMPANY ) TO CANCEL IT AND TOTAKE THEIR STUFF BACK BUT THEY NEVER DID AND THEN THEY PUT THE COLLECTION ON MY CREDIT.SINCE XXXX 2017 IN THE AMOUNT OF {$3500.00}.

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