BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-21
Company: ERC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XXXX of 2019 I was called by a collection company stating I owed {$320.00} for what was a XXXX XXXX bill. I had never received a bill from XXXX stating I owed any balance, and when I received the call from the collection company they were very rude and threating on the phone. I would've paid the bill if I had received one from XXXX but I never did. When I got the call from the collection company I had asked them to prove that I was the one who owed the debt. They refused to do so, saying they did not have to prove it and that I owed it. Anyways, I paid them that same day so I wouldn't have to deal with them any longer. Now I am trying to buy a home and this paid collection is hurting my scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: Ability Recovery Services, LLC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I attempted to inquire about my rights under the FDCPA, as debt charged off to a debt collector could be construed as an unwarranted search or seizure ; the debt collector did not particularly identify what type of debt it was. 

The information I got was not helpful in resolving the debt.

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 2022-02-01
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

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 2022-07-21
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In XXXX of 2022, I went to Wells Fargo on XXXX XXXX in XXXX, GA ( Zip Code : XXXX ) to make a transaction and the manager, XXXX XXXX, refused to give me a receipt. On another occasion within the same month ( XX/XX/2022 ) I went back to this same Wells Fargo to withdraw {$1400.00} all in {$100.00} bills. She told me that she does not work at this bank and proceeded to walk away from me while I was talking to her. 

I reported this to the district manager, XXXX XXXX, and she did nothing about the situation. She in fact defended 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 2022-02-01
Company: eToro USA LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Last XXXX I wanted to invest {$59000.00} in the eToro USA LLC platform, said company froze my account and my funds asking to verify my identity, which I already did, I did everything they asked me to do and still they have not unlocked my funds or my account, this problem started on XX/XX/2021 and I still haven't been able to solve it, I feel frustrated, I need urgent help, I need my money, gentlemen from eToro USA LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-13
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
We 've had a Synchrony XXXX account for three years. In XXXX of 2014 we moved to XXXX and had to change our bank from a local credit union to XXXX Bank. We changed our payment info online with the credit card company and the payments were withdrawing from our XXXX bank every month for the next year with no problems. In XXXX of this year, we got a letter saying that our XXXX payment had been returned because of insufficient funds at our bank, we were now delinquent in our payments to Synchrony and they had cancelled our account. According to our XXXX bank statements, we had over {$6000.00} in our bank account, and according to Synchrony, a roughly {$100.00} payment was being rejected. Bear in mind, there was no returned or rejected items showing on our checking account. We went into the Synchrony account to make sure nothing had happened to the auto-payment, and it was fine. This month, they have done it again. On the phone, they said that they started to charge our old credit union account from over a year ago, despite the fact that it was deleted from their system when we moved, updated to the new bank and charged automatically each month since then ( with the exception of the past two inexplicable months ). This is hurting our credit, no one is willing to help and reverse what they have done. 

We do n't know why, after a year of auto-payments, the credit card company suddenly changed the auto-pay to a bank account that 's been closed for over a year.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone impersonated me and stole my information and opened up a credit card in my name with JPMCB ( CHASE ) resulting in a {$4400.00} debt and credit damage. Numerous people stayed and still stay in my house since XXXX.When I wasn't home or around they all had/have access to my mail box and personal living space inside of my house which contained all my personal information. 
At No Time has Chase ever spoke to me because I've never called you on no date, for any reason concerning any XXXX account ending with the numbers XXXX. 
Also The phone that contained the number XXXX XXXX XXXX was lost or stolen several different times since XXXX, and also was not my primary number. 
I have multiple debit cards reported lost and/or stolen since XXXX and have not always been aware of all the transactions made with them or on them. 
For all of the reasons above, and the additional fact that I do not owe this debt due to Identity

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: JPMORGAN CHASE & CO.
State: GA
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 rented a car with Chase Travel forXX/XX/XXXX, in XXXX XXXX XXXX on XX/XX/2021, for {$360.00}. The dropoff time was changed, and a new reservation was issued, with a cost of {$410.00}, though this was never reflected in my credit card statement. On XX/XX/2021, the reservation was canceled ( with an official email from Chase Travel stating that the car reservation has been canceled ), and by Chase policy, since the reservation was canceled at least 24 hours before arrival, this should have resulted in a full refund. However, as of XX/XX/XXXX, the refund ( in this case, for {$360.00}, not {$410.00} ) has not been processed, despite multiple calls, multiple " reference numbers '' regarding the status of the investigation into the refund, etc. None of the people who I have called have been helpful in advancing or showing any progress in this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-22
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have had a card relationship with Barclays for years. I went to use my XXXX XXXX rewards card today and it was declined. When I called in I was told all of my card accounts were closed and would not be reopened. I would like my account reopened as I have done nothing to cause my account to be closed. 

I 've always paid my bills on time and hardly purchase anything on it, I never let the spending be higher than I can afford to pay monthly. My credit history and score are very important to me. 

Please contact me via email or through CFPB. Again, anything that can be done to preserve my relationship with Barclays I would greatly appreciate.

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 2022-02-01
Company: Avant Holding Company, Inc.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was out of work because my previous employer closed its doors and went bankrupt. The company 's failure, and my unemployment, were due solely to the COVID-19 pandemic. 

Avant sent emails offering payment plans and saying that if I made a payment there would not be negative reporting. Two days after this email I got my first paycheck at my new job and paid Avant to date. Nonetheless Avant reported me 60 days delinquent. 

My pre-COVID-unemployment and post-unemployment payment history was perfect. I attach the email and proof of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: JPMORGAN CHASE & CO.
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I 've reported a number of complaints to CFPB regarding Chase Home Mortgage. My home was sold in XX/XX/XXXX through a negotiated short sale with Chase Home Mortgage. The sale closed as a short sale, there was no XXXX and Chase never took possession of my house. Chase continues to report this sale as a Foreclosure and I 'd like to understand why they are permitted to do so when none of the elements listed by the FTC as constituting a foreclosure occurred? Chase is retaliating against me and holding me hostage in my life by purposely and intentionally trying to damage my credit. A short sale is only to be reported for XXXX years and Chase is incorrectly reporting a foreclosure on my home when they do not dispute that the sale of my home closed as a short sale with no bank possession or sale. Why is the CFPB and the FTC allowing this behavior by a financial institution? I 've never had any other negative items in my credit history. In responding to my complaints to the CFPB, Chase continues to call me only to check the box with you bureau and only to say they are reporting correctly and refuse to change it. What are we to do as consumers? There is no dispute and ample proof that my home closed in a short sale with none of the elements listed by the FTC as constituting a foreclosure. What is a consumer to do? 
This is what XXXX is reporting from Chase regarding my home : Account DetailsLast Reported XXXX XXXX, XXXXCreditor Name CHASEAccount Type Conventional Real Estate MortgageAccount Status Closed - DerogatoryOpened Date XXXX XXXX, XXXXClosed Date XXXX XXXX, XXXXLimit -- Term 30 MonthsMonthly Payment $ XXXXXXXXResponsibility IndividualBalance $ XXXXHighest Balance $ XXXXXXXXPayment Status XXXX Days LateWorst Payment Status XXXX Days LateDate of Last Payment XXXX XXXX, XXXXAmount Past Due $ XXXXTimes 30/60/90 Days Late XXXX/XXXX/XXXXRemarks Foreclosure discontinuedThey " referred '' my file to their foreclosure department after Chase agreed to a short sale and the short sale closed - how is this legal? They are preventing me from obtaining financial backing in my professional and personal life and lawyers tell me there is no basis to sue - not because of Chase 's conduct, but because the CFBP has not enforced any regulations against the banks for their misconduct. The FTC should remove their instructions to consumers on how to direct a lender to correct false information regarding their mortgage because Chase has refused to follow the FTC requirements - so what are consumers to do at that point?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my XXXX XXXX : XXXX XXXX XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
In XXXX 2015, Chase Bank sent us new debit cards containing an embedded chip. They are connected to our joint personal checking account. The new cards, however, had different XXXX numbers from the original cards they were meant to replace. 

We found this change extremely inconvenient since it would require us to change all of our automatic payment settings ( XXXX, XXXX XXXX, many online merchants such XXXX, XXXX, etc. ). We asked for new cards with the same account number. The Chase representative said that was indeed possible. 

Chase sent us new cards bearing the chip, a new expiration date and CVV code, but with the old original XXXX account number, just as we requested. 

Yesterday, as I attempted to check out at a local XXXX, my debit card would not work. I immediately called Chase, but got an hour and a half 's worth of the runaround ( the " system '' says the card has been cancelled, etc, etc., ad nauseam ). 

Chase was able to reactivate the card for long enough for me to complete my XXXX purchase, after which I went directly to my Chase Bank branch. 

My personal banker saw on his computer display that my debit card did, indeed, have a cancellation alert in bright red letters. Neither he nor I could understand why my wife 's debit card has no such alert, even though it went through the exact same replacement and re-replacement process. 

I believe that whoever arranged to have the same-account-number cards sent to us caused my wife 's new card to remain valid until its XXXX expiration date, but neglected to permit my card to be used beyond yesterday. Yesterday, it turns out, was the date the non-chip-bearing card would expire had I ignored Chase 's XXXX 2015 letter. I did not ignore it. 

Apparently the " system '' still thinks I am using the no-chip card when, in fact, I am carrying a now unusable chip-bearing card. 

Without borrowing my wife 's valid card, I am unable to withdraw cash at an ATM nor make any purchases. 

Chase refuses to override its " system '' and no XXXX there is able to think outside the box. 

This is absolutely the worst customer " service '' I have ever experienced anywhere. 

Can you help straighten Chase out?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: U.S. BANCORP
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
US Bank holds the loan on my vehicle. I registered this vehicle with the state of Maryland in XXXX of 2021 and have been struggling to get the lien holder to process the title transfer from California to Maryland. Based on numerous emails, US Bank appears to have Since XXXX of 2021, I have calling and emailing back and forth with US Bank to get this done. I can not get anywhere. All they ever do is tell me it is not done yet. 
On several occasions, I asked for the name and contact information of someone who could help do more than check the status of the state to state lien transfer. I have repeatedly requested that the matter be escalated in the system and was told that they did not have the authority to write custom email requests. 
Despite the fact that I make monthly payments on this loan, I am unable to legally register the car nor can I attempt to sell it without the title transfer. I received a citation for an expired tag and have had to request a trial date to avoid paying a fine for something that I have absolutely no control over.

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 2022-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my XXXX XXXX : XXXX XXXX XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
I have two addresses on my credit report that I do not recognize. I have never lived at these two addresses. 

They are : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX I would like these addresses removed from my credit report. I have never lived at these addresses.

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 2016-09-13
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Greentree Servicing attached force-placed insurance to my mortgage payments twice since the loan was taken out in 1997. After providing the new policy to Greentree in each instance, Greentree then tacked on an additional {$800.00} onto my loan each time ( for a total of {$1600.00} ) and when I inquired, they said that even though I secured private homeowner 's insurance, that I had to finish paying for their policies. This does not make sense as they were charging me over {$200.00} per month for their force-placed insurance. 

I am a paralegal and have been for over 30 years. I have done been involved with many foreclosures and loan closings. I feel Greentree 's insurance division has not only overcharged me, but I believe that Greentree has not properly credited my payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On or about XX/XX/XXXX I purchased online a XXXX supplement. I used my Barclays credit card ending in account XXXX. The company ( XXXX XXXX ) charged {$19.00} for the product. Once I entered the card data, the total amount of same became {$240.00}. I immediately called XXXX XXXX and alleged fraud and told them to cancel order. The female that answered barely spoke XXXX and said she would not cancel the fraudulent order. I immediately called Barclays ( My Card Account holder ) and informed them of the fraudulent charge. Barclays canceled the card and mailed me a new one. On XXXX XX/XX/XXXX I received a letter from Barclays that they had completed their investigation and the charge was valid. I called Barclays on XXXX XX/XX/XXXX at XXXX and talked with " XXXX XXXX whom said while the charge may be a fraud, I provided the card data to vendor so I had to pay. I told her I never received a product, the charge was fraudulent, the company name changed each time a XXXX XXXX  add was shown, and XXXX admitted that her record showed that the product had been returned to vendor. XXXX stated I had to call XXXX XXXX so I did at XXXX and talked with " XXXX '' who barely spoke XXXX and he admitted the product had been returned and disputed by Barclays and to take it up with them. I called Barclays back on same day at XXXX and told " XXXX '' whom barely spoke XXXX and told him the entire story and he said I had to pay the amount despite not receiving a product, there were claims of fraud on XXXX XXXX each time the advertisement showed, the company name changed each time the product showed. XXXX then engaged in semantics over " Fraud '' and " Scam '' with me. I do not owe the {$240.00}. I was forced, at the threat of putting on my credit report, to pay a fraudulent charge to a fraudulent company that never sent me a product despite doing everything right.

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