BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-15
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Dear Consumer Financial Protection Bureau : JP Morgan Chase Business Banking has been charging for ACH services ( XXXX/month ) that we were not signed up for. When I looked into the unrecognized charges for the ACH service I clicked the ACH section of the site. It was clear that we were not signed up : ACH Collections Enrollment Please note ( see screen grab attached ) : " We can't enroll you quite yet. Please call XXXX to finish enrolling. If you've been our customer for less than 6 months, please provide at least 2 months of checking account statements from  your previous bank '' When I talked with Chase they refunded 4 months of charges " as a courtesy '' but would not refund beyond that. They have been charging me for a service never available to me to use as I have never been enrolled in their ACH service. It's not even accessible as to access it through the online banking site. 

I can see a total 27 charges online which is a far as the system allows. ( See screen grab attached ) I assume there are many more predating these. This appears to be similar to XXXX XXXX fraudulently signing up/charging for services without the customer 's request or consent. 

This may be an isolated incident but it may be widespread.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Received loan from Wells Fargo Auto finance loan back at XXXX loan was paid in full on XX/XX/XXXX, I called to Wells Fargo title department many times talked to manager supervisor ( I have name and recorded of all my many phone call ) its been three month and Wells Fargo Auto loan is not releasing the car title and my right to the title after the loan paid in full.

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 2020-10-12
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 have not been late on this account there was no full investigation on this account for late payments. There was an automated response from e-Oscar system stating the information was verified. I request physical verification in XX/XX/2020 of this year showing I was LATE as I have NEVER been late. XXXX  XXXX XXXX # XXXX Please correct payment history as it not reporting correctly. 

I was not late on the this account. Please PROVIDE PHYSICAL VERIFICATION OF LATE PAYMENTS.

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 2018-11-27
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
When I was in XXXX  and dealing with some severe health problems, my parents stepped in and helped out with a credit card I had at the time with XXXX XXXX. According to my mom, she closed the account, not realizing the negative impact it would have on my credit. When I got older and viewed my credit report, I noticed a negative item from XXXX XXXX for this account, stating there was a {$260.00} balance that was charged off. I contacted the local branch closest to me ( XXXX XXXX XXXX XXXX ) in XXXX where I was working at the time and made arrangements with the branch manager to pay IN PERSON in several installments. This balance was fully paid as of 2015 at the latest ( I no longer have the specific dates ; I threw out the receipt last year because they told me at the XXXX XXXX branch that everything was current ). I have disputed this with XXXX XXXX   directly, as well as Experian, but each company tells me I still owe the {$260.00}. This information is simply incorrect and it is hurting my credit years later.

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 2020-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2020, I transfer a international transfer to XXXX XXXX XXXX but in a Father 's account, in this time my bank said that the tranfers is complete in this account, XXXX said me that the transfer is never is in the Father 's account. 
In this time, I had all transaction with my bank for return the wire transfer, and they have return in XX/XX/XXXX, for this time I have all transaction with XXXX for pay my loan, and she only post my Id card in XXXX wihtout my authy and it is a fault. 
I want to pay my loan but with wire transfer for pay my taxes, and XXXX need I pay withput the taxes

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 2020-08-20
Company: Birchwood Credit Services, Inc.
State: MA
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation 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 2019-09-06
Company: Mr. Cooper Group Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am XXXX. I am having problems with my mortgage payments. I talked with a counselor and my payments don't add up. I have tried to work with the Mortgage company. They say I am behind since XXXX but I show my bank statements showing payments to them. I did miss XXXX and XXXX but they are saying I owed over {$3000.00} as of XX/XX/XXXX. Then they returned any payments I tried making after that. I got behind last XXXX but on XX/XX/XXXX I thought I got caught up, not missing a payment until XX/XX/XXXX. I was also behind in XXXX. I have a letter explaining all the details but mainly I was behind and was told to make 3 payments and they would work something out. I had the money and then they would not accept anything but {$8400.00}, which I paid even though my statement showed {$5000.00} because I didn't want any trouble. I later wrote a letter to find out where the money went but didn't get a response. I have all documentation. I never have had any paperwork from any lawyer or any documents sent to me or pasted on my house about foreclosure. I don't understand why there is over {$200.00} discrepancy on my monthly payment, why they keep telling me I owe from XXXX and my {$8000.00} payment isn't showing on the accounting sheet they sent me. I am not sure what to send you so I tried pasting major information including important dates, my bank payments, what Mr. Cooper 's statement is showing, fax transmissions and tax information. Please contact me if I am missing more. It has been extremely difficult being on XXXX and I do not want to lose my home. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have initiated disputes with AMEX about a moving company 's failure to look for appropriate repair shop to repair a piano damaged during the move. AMEX has closed a case XXXX prematurely based on response from the vendor. AMEX did not offer me an opportunity to rebut. 

When I started a new case XXXX to rebut, AMEX simply said it was not in their jurisdiction to resolve and then quickly closed it again. 

As of now, the piano is still not repaired by the vendor. The price I paid for the moving services was of premium services which included repair services.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: Rosebud Economic Development Corporation
State: MS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My name is XXXX XXXX XXXX and I an a client of XXXX XXXX Help debt collections agency whom is handling my accounts that I have with them to settle. One of my lenders who knows that I am a client of XXXX XXXX Help is consistency calling me and this Lender is XXXX XXXX. They have been sent the legal documents to there company informing them I am a client of XXXX XXXX help to for them to only to communicate with them concerning my debt owed. They are not doing what was asked of them in the documents that was sent to them. They call me everyday but I don't answer but I know its them that is calling everyday. this XXXX XXXX number that appears on my caller Id when they call it XXXX. So please I want o file a compliant against this company for harassment due they know they not suppose to contact me and are to only talk to my representative with XXXX XXXX Help

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 2018-05-17
Company: Turning Point Solutions LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
this XXXX XXXX from XXXX XXXX XXXX has called me numerous time and uses a different number to call this last time it was XXXX and left a XXXX number for me to call I called him for the last time today and again he has refused to send me anything in writing about this debt he said I owed and each time he has called it has been a different amount. I f I am not mistaken the debt collector is suppose to send after 5 days a notice in the mail and I have yet to see one. that is all I am asking for and his threate of other legal action is not worth the paper it is written on because he is very rude and I get rude back at him. Simply send me something in written form and an address to write them back and I will work on settling this debt. In other words send me the notice and the correct amount if you are legit and I will proceed from there.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am victim of Identity Theft.

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 2021-02-11
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX a balance of {$110.00} was paid IN FULL to the collection agency Sequium Asset Solution. When paying this account I was told that a request would be send to XXXX  and XXXX  to have the paid in full collection account deleted from my credit report. I called and spoke with many representatives that were extremely rude telling me that the account would not be deleted and that the account would still report on my credit as a derogatory collection account til XXXX. Also the last reported date XXXX  is reporting inaccurate I paid the account off XX/XX/XXXX and they are reporting XX/XX/XXXX this is inaccurate, as well as both bureaus reporting this account as a paid collection account. This account needs to be deleted off of my credit report as soon as possible or I will take legal actions to resolve this matter! 

Thank you, for your prompt response in handling this matter!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: U.S. BANCORP
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I just applied for a home loan ; joint with my husband. My Credit Score info : " Your credit score is not available from any consumer reporting agency, because they may not have enough information about your credit history to calculate a score '' I have always had an excellent credit score, but last checked it about 6 months ago with XXXX-free with my credit card account. I have a home & auto loan in my name, as well as several revolving charge cards- all with excellent credit history. 
I went to the XXXX site last night, I could not log in, I went to US Bank, " no  information is available at this time ''. I am sick to my stomach as what has happened?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

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 2018-07-11
Company: Ameritech Financial
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I was making XXXX dollar payments to Ameritech. I received a letter in the mail from the Federal Trade Commission, stating that Ameritech was being sued for deceptive practices. They have taken XXXX out on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX

Company response to consumer: Untimely response
Consumer complaint received 2019-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have this account in collections from XXXX XXXX XXXX original creditor was XXXX XXXX XXXX this was already paid for In full. I keep getting phone calls and one of the reps told me back in XX/XX/2019 this would be off all my credit files since this was paid in full. 

I am unsure as to why it is still there and hope you guys can help solve this problem.

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 2018-12-16
Company: M&T BANK CORPORATION
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX, I changed my internet service provider to XXXX. Since then I have not be able to access my account online at M & T bank with who I have banked for nearly 20 years. I only use one computer that is hard wired to the router to access my account for security reasons and it stopped working after I changed to XXXX. Earlier in the day on XX/XX/XXXX, when I was with my previous internet service provider XXXX, I was able to access my account. 


When the account login in failed, the website tells me to call the online service center which I called on XX/XX/XXXX and spoke to XXXX with id XXXX. He told me that some fraud alert was triggered and I have to just wait and try again but could not tell me how long to wait for security reasons. I asked if there is a set of steps I could follow that would unlock the account and he said there was none. Only way was to wait and try again. I spoke to manager XXXX XXXX XXXX who also confirmed the same. 


I waited a week and on XX/XX/XXXX I tried to log in again and it failed. I went to the local branch and spoke to XXXX XXXX who called the online banking center and they confimed the problem to be systemic with no resolution. Multiple customers who changed internet service providers have the same issue with no solution.

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 2018-05-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Bank of America and third parties of bank America keep calling me, family members & places Ive worked threatening to be sunmon me to court to pay a debt that was over 13 years ago.

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 2021-06-07
Company: EQUIFAX, INC.
State: CO
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:
Equifax and XXXX  should not be reporting me as an authorized user on the XXXX XXXX XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have also contacted the bureaus to remove this item however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is seriously harming my credit score and this line item need to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: AMERICAN EXPRESS COMPANY
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem adding money

Complaint:
I have five Blue Serve cards with American Express Serve. These cards have the option to load funds from a debit card or credit card on their website. I have previously used the option to fund via credit card without a problem, but I ran into issues when I linked my debit card to load funds. 

Earlier this month ( XXXX ) I received an e-mail that a scheduled load to one of my Serve cards was unsuccessful. I then discovered that I was unable to sign on to the Serve website for any of my five cards. It told me my password was incorrect, but I was certain that I was entering the right password. Attempting to reset my password online was unsuccessful - I kept getting strange error messages about the session timing out or " something went wrong, try again. '' I called a few days later and was told that the issue was not with my password, but that my accounts were all locked because they needed to verify my new debit card belonged to me, even though I had gone through the online verification process when I added the debit card. The rep stated that they needed to conference in my credit union to verify my information. After doing that, I was told all of my accounts were now unlocked. However, after getting off the phone, I found that only two of my five accounts had actually been unlocked. 

I called back the next day ( XX/XX/XXXX ) and the rep was able to unlock the other three accounts. However, when I attempted to load to one of my Serve cards from my debit card the next day ( XX/XX/XXXX ) I received an error message, and then found that all five of  my Serve accounts were locked out again. I called the following day ( XX/XX/XXXX ) and the rep was able to unlock my accounts again, but as soon as I tried to load from my debit card, they were all locked out again. 

As of today ( XX/XX/XXXX ), they are still locked - I don't have the time or patience to spend any more time on the phone to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16
Company: Williams & Fudge, Inc
State: IL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
William 's and Fudge, Inc has made several attempts to collect debt that they can not verify. I have asked for verification of debt proving I am responsible for the debt. It has not been confirmed in the mean time the company proceeds to charge me fees and ignore my requests stating I never asked for validation of debt even though I did and can prove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: FirstPoint Collection Resources
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: Information belongs to someone else

Complaint:
On XX/XX/2022, FIRSTPOINT COLL RESOURCES INC add a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold, and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA FIRSTPOINT COLL RESOURCES INC has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation