BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-19
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I backed a project on XXXX XXXX/XXXX/15 with a proposed delivery date of XXXX. To date I have yet to receive anything despite requests for refund. I turned to Chase bank to dispute the charges on my credit card and was told that due to the time lapse I would not be able to receive my money back. Nothing is in place for crowdfunding which leaves consumers such as myself empty handed. I was not asked for supportive documents, proof of my attempts to contact the company whom I backed. Chase essentially looked at the date of the transaction and denied my dispute instead of looking out for the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-27
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
JP MORGAN CHASE CHECKING ACCOUNT XXXX XXXX OVERDRAFTS WITHOUT PERMISSION FROM XXXX XXXX. STOP CHASE FROM OVERDRAWING THIS CHECKING ACCOUNT. STOP CHASE FROM CHARGING OVERDRAFT FEES. ASK CHASE TO PLEASE REVERSE THE OVERDRAFT FEES. SEE ATTACHMENT.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-12
Company: EQUIFAX, INC.
State: SD
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
disputing this not possible with equifax first -- - their dispute needs a credit report and not able to get at all and the prove my id says i have credit cards and mortgages but really not -- - living on small XXXX check and have no credit cards and the true answer of none of above gets me just to a mail in form supposed to send copies of driver license and other stuff -- this happens every year with them and think they use other peoples reports to prove my id questions since if use my actual report would be no mortgage or credit cards -- yeah XXXX check of XXXX a month and equifax says i have a mortgage -- think equifax blocks free credit reports just to force people help them collect more data they then sell to any XXXX with a stolen credit card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-17
Company: U.S. BANCORP
State: TX
Product: Credit card
Issue: Rewards

Complaint:
The promised promotion to give bonus XXXX miles was not given because of the reason that minimum spending was not met. The minimum spending have changed to higher number than previously offer. This is not honor to the offer. 

And after calling, the agent admitted the mistake but could n't correct the issues or take responsibility to reissue the promised miles due to the request are not in 4 months time frame after issue the credit card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: N.A.R., Inc.
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
North American Recovery has not sent validation of the debt after repeated requests. Additionally, they are not licensed in the state of Colorado, which is a violation of Colorado 's Fair Debt Collections Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
A few weeks ago I had an Alert on my credit report saying that I had XXXX new collection accounts from National Credit Systems. After reaching out to the company they informed me that they mailed a letter 5 times to a known bad address. When asking them why I was not alerted they said they tried but they had XXXX pieces of returned mail. So, with further concern I hired a private investigator XXXX XXXX XXXX XXXX to find out that they were advised to send it to the office of XXXX XXXX XXXX. XXXX XXXX XXXX had the proper address to forward any and all correspondences. I have emails to substantiate this claim. I also have proof that I was sued and paid the bill in full! They are trying to collect a debt that is no longer valid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Someone established an online account with Trans-union and took over my online account. Transunion provided a credit report to a company ( XXXX ) I did not authorize.

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 2016-10-14
Company: JPMORGAN CHASE & CO.
State: DC
Product: Credit card
Issue: Advertising and marketing

Complaint:
After loosing my Camera, I call the number on the back on my card. They said my purchase is covered by purchase protection under the " accidental separation '' clause with my Ink card. Chase They said I must file a claim at XXXX XXXX XXXX ( XXXX ). XXXX XXXX XXXX says under no circumstances are any " accidental separation '' covered.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I opened the freedom credit card with Chase bank XX/XX/2014. I used the account once, but my account was compromised - with someone using my account at different points, once in XXXX, XXXX. The freedom credit card was linked to my checking account and Chase withdrew money to cover charges I did not make. They refunded some of the monies, but a portion is outstanding..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03
Company: URS Holding, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A company ID 'd as XXXX from telephone # XXXXis continually calling my place of employment after they were repeatedly told to cease and desist. 
This is a 3rd party agency. They do not identify themselves other than the ID on our phone system. They are demanding payment but do not identify a transaction, company or amount. 
They are calling my employer as a method of harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: URS Holding, LLC
State: KS
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
" Enterprise Recovery System '' has been repeatedly ( several times each day ) calling me, family, and friends regarding a debt which has already been paid. 

They have attempted to discuss my debt with relatives and friends. 

They have repeatedly used phone calls to harass myself and those close to me. 

They have not sent a validation notice and refused to do so after I requested XXXX multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Earlier this year our mortgage loan was sold from XXXX to Carrington Mortgage and our homeowner insurance renewed around the same time as this. I paid our mortgage using the old amount before the escrow analysis number could be adjusted to the new payment. Carrington placed that {$1400.00} payment into their " unapplied cash '' on our account which makes it appear that we missed a payment. They charged us a late fee and hit our credit reports with a missed/late payment status. Up until this point with our mortgage we 've had great payment status. My husband is has been out of work since XXXX and I do everything I can to ensure our house bills our paid on time. Carrington has a history of complaints with what has happened to us. It has been reported that they " pad '' their escrow accounts to make money and cause people undue stress when raising their monthly mortgage payments. I site the following websites for these complaints of sold loans and problems. XXXX corrected our unapplied cash payment and I have reached out to Carrington about this issue. They have told me there is nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15
Company: U.S. BANCORP
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
After XXXX complaints to you, I received a letter stating that US Bank would have a decision/approval for the short sale by XXXX. It is now XXXX and the file has n't even been reviewed by a negotiator. My XXXX lien approval expires XXXX and I needed my approval from US Bank by XXXX in order to close on time. I have left numerous messages for supervisors and have had NO return call or email.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: AMERICAN HONDA FINANCE CORP
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Honda Finance Services has an Easy Pay service which automatically withdraws a monthly payment. They withdrew this monthly payment twice. This is apparently a routine problem with them, and is affecting XXXX people today. There is no way to contact them to report a problem or resolve it, other than a toll free number that is not working today, and at the best of times does not allow direct contact with a customer representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-28
Company: Valentine and Kebartas, Inc.
State: AE
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This is the XXXX communication from V & K regarding an alleged debt from XXXX due to disconnection fees. XXXX admits the debt is not valid because I disconnected my lines incident to a XXXX of station and invoked the SCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: WELLS FARGO & COMPANY
State: OK
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My husband was injured on the job in XXXX 2014. I called Wells Fargo in XXXX 2014 to see if there was anything I could do because I did n't want to get a bad pay history with them, and they told me all I could do was try to refinance. Because we lost XXXX of our income, my pay history ( and credit as a result ) has gone down the drain over the last year. Every time I talk to a rep, I have to explain my situation again and am again told I 'll have to refinance, but when I explain my pay history, I 'm told I wo n't be able to qualify for it. So I am basically stuck in this cycle.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
A representative named XXXX XXXX from Intake Department called me at approximately XXXX saying that they are in possession of a debt CPM XXXX from XXXX from XXXX 2007 in the amount of {$300.00}. He said that I am being named in a Civil Lawsuit as the Respondent pending a lawsuit of up to {$15000.00}. XXXX XXXX never indicated that the call was being recorded nor they were a debt collector trying to collect a debt. I was asking for verification information because I do n't recognize the debt and it 's ten years old. He said he will tell the client that I am refusing to pay the debt, he never offered to send me a copy of the debt either by mail or email. He was rude and angry he also over talked me and then hung up the phone in my face. He never offered to send me a confirmation letter of the debt. He called my estranged husband with the same threats and we are separated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: EQUIFAX, INC.
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Violation of failing or refusing to validate disputed items within XXXX days

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Both Equifax and XXXX may be using unfair and inappropriate questions in their online screening and verification questionnaires prior to sending an online free credit report. Their motive may be to sell an online service providing that report, since many people like me do not trust the security the postal mail for sending and receiving a ready-made identify theft packet of information. Specifically, both Equifax and XXXX have asked me, when applying for an online report, whether I have a retail credit card for which the provider is XXXX XXXX. The tricky part for holders of XXXX XXXX is that originally the provider was XXXX XXXX, but that changed some years ago to XXXX XXXX XXXX. There are XXXX issues here. First, are XXXX or XXXX of these credit bureaus using XXXX XXXX as the correct answer, which was true at one time but has not been for a long time? Second, how can the consumer be expected to know the correct answer to such an arcane question anyway? For years I had mostly no problems getting an online report, but that has changed, despite no change of address or anything else relevant on my part. Given these perhaps inappropriate screening questions, and perhaps other such questions, my real options are to pay for an online report or get a free postal mail report, neither of which is a very good option, and the credit bureaus gain revenue from my dilemma, whether their questionnaires are clumsy and inappropriate by design or by accident.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: Experian Information Solutions Inc.
State: MT
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I requested my credit score/history, and company could not find any credit history. They kept sending the same forms saying I was n't providing the proper information or wrong information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: CORELOGIC INC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Credit inquiries that i do not recognize.

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 2016-07-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed chapter XXXX over 9 years ago. My husband and I actually dismissed the BK and settled with creditors and paid off our debt owed under chapter XXXX. Will you please advise I can have the chapter XXXX removed from my credit report? ****Thank you 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 non-monetary relief
Consumer complaint received 2021-11-25
Company: CHARLES SCHWAB CORPORATION, THE
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
All I want to do is unblock my account for access. The customer service keeps me on infinite holds. They resolved a fraud issue I believe already. Someone tried to cash checks in my name. They have lengthy investigations.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-03
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
There is being reported under public records that I have a open Judgment Case # XXXX, There is no account listed. 
I have been disputing this information with the credit bureau for numerous month now, By Mail and Phone. 

At this point Experian keeps telling me this has been verified when in fact its impossible that they verified the information, Well if they would verify the information then Experian would see this is wrong and has nothing with me. I have requested proof of verification from Experian which I was still not given and I am now waiting 3 months.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: Firstsource Business Process Services, LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
i have been contacted by First Source Advantage for a XXXX CC debt from 10 years ago, the debt has not been on my credit report for years. could be potentially legit debt, I have been cleaning up my credit I 'm unsure what I have paid off in the past. 

I have ask for verification of this debt and even provided an updated address. they have failed to send any information. they called back after a month, i still had n't received any information, they verified the address in their system, which was correct. 
Here it is another month later I Have n't received any documentation and they called again. I told them i have n't received anything from them still and not to call me again.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: Firstsource Business Process Services, LLC
State: AL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a collection that is on my credit report with a {$0.00} with First Source Advantage and when I called to ask them to remove it, they stated that they have no accounts for me under my name or my social. No one there could give me an answer as to what this collection pertains to and who I could speak to to have it removed as there was no account they could locate to help me with my situation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Creditor contacting a number which their client no longer currently lives.

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 2016-06-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
In 2013 I was hospitalized on an emergency basis and incurred over {$100000.00} in medical debt. At the time I was admitted, I signed XXXX financial responsibility form, and the hospital assigned me XXXX account number and billed the services on XXXX Statement. 

Thereafter they assigned the debt to CALIFORNIA XXXX XXXX for collection and they have listed the debt on my EQUIFAX report XXXX SEPARATE TIMES as XXXX SEPARATE ACCOUNTS. This is false and fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-06
Company: FORD MOTOR CREDIT CO.
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
On XXXX XXXX, XXXX, my wife and I paid off our car loan with Ford Motor Credit. In XXXX XXXX, we had a 30 day late payment that was documented on our credit reports. Given that the original delinquency date is the date when an account first becomes past due, this account should be scheduled to be deleted in XXXX XXXX. However, we have checked all three credit reporting agencies and there is no date reported on our credit reports as to when this collection account will be remove. We have requested action to be executed by Ford Motor Credit numerous times to correct the report and place a removal date on file but their response has always been to deny the request and not follow the rule. As recently as XXXX XXXX, XXXX, another request was turned away. At this juncture, we are seeking your intervention to assist our efforts to require Ford Motor Credit to abide by the rule of process.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I C System has been reporting that I have an outstanding debt from XXXX XXXX, but I have never had a XXXX account in my name. This has been effecting my credit since XXXX. I looked them up online and have seen countless reports about false reporting and predatory practices.

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