BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-20
Company: SUNTRUST BANKS, INC.
State: NC
Product: Money transfers
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XXXX XXXX, 2015 I initiated a money transfer Bank to Bank from my bank ( SunTrust ) to a bank in XXXX XXXX ( XXXX ) in the amount of {$38000.00}. On XXXX XXXX, 2015 I sent another transfer to the same bank in the amount of {$35000.00}. I was informed that the funds would be available by XXXX XXXX, 2015. To date the funds have not been released and the bank refuses to give an explanation as to why it is holding the funds. In view of this I want my money refunded immedately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: Possible Financial 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:
This is my fourth dispute regarding the same accounts that has been affecting my credit and holding up the process of purchasing a house. The accounts need to be deleted from my credit report immediately. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). Following accounts : XXXX XXXX XXXX  # XXXX, POSSIBLE FINANCIAL # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX, check submitted to Capital One, credit department XXXX, NC. I called to ask for an address to send check that was not a post office box and they gave me this address Capital One, attn Payment Processing XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX and I sent a check to them in the amount of XXXX to pay account in full with refund to me. As of today, XX/XX/XXXX the check can not be located by capital one credit department. And the credit department employees, and managers don't seem to give a darn about a check that is floating around somewhere out there. One manager named XXXX accused me of not sending check. I called title company that issued check and told them that first check lost and to reissue another check. I now have the new check in the amount of {$8400.00} to send to replace the old check. I want to send the new check registered mail, signed receipt returned to me so that if check is misplaced again, I have a way to track check to see if delivered. I am being told that checks go to payment processing center and they have no live person at capital one credit department in XXXX NC to receive and sign for check. Since the first check was misplaced I and the tile company want capital one to give us the name of person to receive and sign for check they refuse need help will hold check until I get a name and address of the person that is willing to sign for check so that I have a way to tack that check was delivered and stop charging interest on this account because after XX/XX/XXXX whencheck was sent ant it was lost no interest should be charged from that date forward to now thanks you need help immediately as interest charges go up daily with these guys

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXXCAPITAL ONE XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: Opportunity Financial, LLC
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I visited the site, but I do not have a loan with OppLoans. Yet, I received correspondence about a payment coming forth on XX/XX/2021. When I attempted to call and question the matter, the line is always busy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: PNC Bank N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Over the past three years, I have repeatedly tried to get my ex-husband, XXXX XXXX, removed from my checking/debit account and my credit card account through PNC Bank. I opened this account and credit line as a single individual, and at no time, listed him as part of the account or listed him as an emergency contact. For some reason, PNC has been unable to explain why he has been linked to my accounts. 

Over the past three years, XXXX XXXX has received account notifications as well as account alerts when there is suspected fraud ( i.e., if I am traveling out of the country ). At each occurrence ( the last at the end of XXXX and is noted on my account records at PNC ), I have contacted PNC Bank and they assure me that his name and access has been removed, but then I find out he has been contacted again by PNC regarding " fraud '' on my account -- which also gives him PRIVATE information regarding financial transactions as well as my locations. 

This occurred again today, XX/XX/XXXX. He was called by PNC regarding a " Fraudulent Purchase '' on my debit card. When I contacted PNC, they stated they saw that I had called in XXXX regarding the same issue, but " nobody followed through on making sure it had been dealt with. '' And then stated it appeared he had access via my ONLINE banking. 

Again, I have NEVER linked his name to this account. I have NEVER granted him access to my account. I have NEVER agreed that he should receive PRIVATE information regarding my account. 

I need action taken immediately on this and I believe I should be given financial compensation for illegal sharing of my private banking information. My divorce was not amicable, and I have no idea how much of my financial information my ex-husband has been able to access.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: SCA Collections, Inc.
State: NC
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 am not liable for this debt with XXXX XXXX XXXX  and I do not have a contract with SCA COLLECTIONS XXXX  plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$310.00}

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 2021-05-29
Company: Convergent Resources, Inc.
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:
This company has no contract with me or my written consent to furnish anything on my consumer report nor have i gave ANYONE CONSENT to any alleged creditor and thats Identity theft!!!, statements from a 3rd party is a violation of my right to privacy USC 1681 ( a ) ( 4 ), I have not received any validation or verfication of any alleged debt. i have sent through USPS certified mail # XXXX XXXX XXXX XXXX XXXX a request for removal from my consumer report to the company involved

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 2021-05-29
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I open a Citi bank account and made a couple deposits and i got my atm card and out of nowhere my account its frozen and i called and they told me that my account was goi g to be close due to Fraudulent activities which they couldn't dnt tell me but i only deposit cash i to the account so i went into the branch and i explained what had happen and that it was fine to close my account byt i wanted to get my money back and they gave me a phone number to call and i haven't had an answer to my questions yet nor my money back i called them several time s but its always the same tjing all i want is my money back

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 2016-12-19
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card
Issue: Delinquent account

Complaint:
JP Morgan Chase, who manages my Amazon credit card, is calling me every day, at different times of the day, in order to collect a debt. I am working with XXXX to pay off my debt, and JP Morgan Chase has been informed that I am using this service. I 've also asked them to stop calling me. I am setting aside {$200.00} every pay day in order to pay off the debt. The telephone calls are excessive and intrusive and have not stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30
Company: SYNCHRONY FINANCIAL
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I tried to solve this issue but the bank has insulated itself making it unreachable.

I never opted for paperless statements and Synchrony Bank Chose to act unilaterally and without my consent.

The bank also charged a delinquency fee and hurt my credit report on a debt that I never generated and that I did not owe. 

The bank never called me or made any attempt top contact me regarding this debt. 
I never used the card to begin with and the charges appear fraudulent or it was billed without my approval or consent. 

I was charged for a movie pf XXXX that I never authorized ....

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 2016-03-07
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Chase wo n't close my account after I requested them to do so. Chase asked Security Questions that seemed to come from Googling A Chase credit card phone representative asked me all these ridiculous security questions that I did n't create. They asked me questions that they seemed to have may gotten through an internet people search. Because I sure did n't supply them with any of this strange info that they asked me. For example, 1. THEY gave me a relative 's name and asked what 's their birthday and how that person is related to me. Really! You 're GIVING me a family member 's name ... that I NEVER gave your company and THEIR birthday is a security question! 

2. They asked me what college I went to. ( I never gave Chase this information on what college I attended! ) Where are they even getting this information? Are they getting it from XXXX or random people search engines? Because I never gave them this info. 

3. They asked How long I lived at my current address. They asked me for past addresses. I never gave them past addresses. 

These are strange questions to be asked when you did n't set these up yourself as security questions. Its as almost as if they were Googling me. Security blocked my phone number and they hung up on me three times when I called back from a different number. Each time they hung up on me ... I was first transferred to security and they validated who I was first. Then put me on hold and hung up. The weird thing is that after I answered all of those questions with a rep, they told me I was n't myself and blocked my brand new never used card. I wanted to close it since it was so difficult to use and they would n't even let me close the card! They would n't even let me close the new " never used '' card that they would NOT let me use. Having a Chase card is terrible! I would not wish dealing with Chase on anyone. It 's not fair they they wo n't close my account after I asked them. I should not have to suffer with this being on my credit reports against my will.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: JPMORGAN CHASE & CO.
State: WI
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I had someone taking money out of my acct without my knowledge, from Amazon. No one tried to help me in my account. Someone kept going in my acct & Chase bank never offered to protect my acct. Chase refunded my acct each time Amazon fraudulently took out XXXX. But I had XXXX on XXXX & I look in my acct & chase bank takes back XXXX out my acct & now I am negative ... no one at the bank offered to help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: EQUIFAX, INC.
State: GA
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:
Equifax, XXXX, XXXX  have failed to respond to my dispute about unauthorized and unverified inquries. Irequest I sent a dispute letter on XX/XX/2021 received no response, XX/XX/XXXX I sent a 30 day compliance letter to follow up I still haven't received a response and accord to the FCRA its mandatory that I receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage account that was with Chase Bank. My payments went up very high. I tried to get a modification and was denied. I filed Bankruptcy to keep my home. I did everything my lawyer asked me to do. XXXX While in Bankruptcy, Chase must have sold my loan to SELECT PORTFOLIO. I was never given a goodbye letter or anything. I only found out when I received a letter from XXXX XXXX saying they are foreclosing on my home. My home is a MERS account and the CHAIN OF TITLE SEARCH SHOWS NAMES AND INFO AND TRANSACTION THAT IS NOT ON MY ORIGINAL PROMISSARY NOTE. SELECT PORTFOLIO DOES NOT HAVE LEGAL GROUND TO FORECLOSE ON MY HOME. This is wrong. MANY OF MY DOCUMENTS WERE ROBO SIGNED. PAPERS WERE FORGED. PLEASE HELP ME

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card
Issue: Privacy

Complaint:
I requested online through Amazon a Visa credit card issued by Chase. I was approved immediately online, which I expected because of my long-standing credit card account with Chase. 
Today I received my card in the mail. It was issued in the wrong name - XXXX - the name of my wife 's ( XXXX ) former husband!!! 

How this offensive mistake happened is beyond me. l did NOT ask that my wife be on this new Chase card. My wife is NOT on my current Chase card. My wife is NOT on my Amazon account. I have never communicated any PII about my wife to Chase or Amazon. 

The very courteous call center representative I just spoke to is arranging for me to get a new card shortly. I still want the card, but I also want to understand what privacy and system breaches occurred to allow this mistake to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30
Company: Brown and Joseph, Ltd
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Brown & Joseph, LLC has sent numerous notices requesting payment for an insurance policy that has been cancelled with the XXXX XXXX XXXX and has been confirmed cancelled with nothing owed by both XXXX and our insurance agent, XXXX. We have provided that information to Brown & Joseph on numerous occasions, yet there communications and requests for payment not owed persist.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Transaction issue

Complaint:
Went to a after hour and purchase a fish dinner for {$12.00}, the waitress never came back with my credit card and I had to get another waitress to hunt her down to get my credit card back because I became worried. She came back to my table with other receipts that were not mine and said she was sorry would return with the right receipt, later she gave me my right receipt which was in the amount of {$12.00}, I ask her did she cancel out the wrong amounts, and she said yes, I asked her for my copy and she said she did not have one for me to sign but would write her name on my receipt and the amounts and, if I had any problems. The next day I was charge {$35.00} and XXXX for purchases I did not make. File a dispute with Chase bank and Chase customers service representatives refuse to give me credit for the {$39.00} and insist on crediting me the {$4.00} only because credit was given for {$35.00}, but their were XXXX unauthorized charges I only sign for the {$12.00} which I did purchase.In total charges were {$74.00} charge to my credit card, Chase still owe me {$35.00} minus the {$4.00} given already as a credit. I want my refund immediately credit to my account. I do have the receipt the waitress gave me with her name on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: Williams, Rush & Associates, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Disputed a debt collection on my credit report regarding an account I have never opened nor have any knowledge of. I have requested written verification or any type of verification and have not received any response. When disputed, after a brief investigation, they simply responded that the debt was mine. As this is clearly not my debt coupled with the refusal to provide any documentation I demand this be removed from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I took XXXX car on lease from Chase in XXXX 2015 ( hard check on credit ), opened checking and saving account with Chase in XXXX 2015 and all was going fine up till XXXX 2015. In XXXX 2015, they asked me to come and fill form XXXX to validate my identity ( name & SSN ) and I did so fully compliant at all times when ever they wanted any information whether my passport, driving license, XXXX copy and SSN card copy. They made me fill the same XXXX form in XXXX, XXXX & XXXX with same details again ( if you got it first time, why would you make me to do it again ) and also asked me to get a letter from Social Security XXXX certifying my name and SSN ( I got that too from XXXX XXXX SSN office with duly stamped and submitted in XXXX XXXX week ). Now even after doing all this, I was traveling and suddenly my debit card stopped working - I checked and they have mailed me a letter in XXXX first week stating that they have closed all my accounts because of invalid information and are going to report this to credit bureau on my car lease too. How rude and unprofessional is this? they never told me all this while that whom they are talking to and why they need this information on me when i have given them a letter from SSN office certifying my credentials. 

This is going to affect me so negatively and even though when there is no fault of mine. I have bank accounts in XXXX XXXX XXXX, XXXX and XXXX credit card too all with same name and SSN. 

Need your help desperately to stop chase in spoiling my credit history and file a case on them for causing XXXX and frustration.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland credit management sent me letters of alleged debt through their lawyers XX/XX/XXXX. I disputed the debt and it was erased from my credit report. I also ask for fraud alert to be placed on my account with the three major credit bureaus. XX/XX/XXXX I had a summons taped to my door by a process server, Midland credit pursuing me for the same debt that is not mine and was deleted from my credit report. I responded to summons that is currently litigating it in court. XX/XX/XXXX I obtain my credit report from XXXX, XXXX  and XXXX. On XXXX  and XXXX  Midland credit had been reporting the debt and reporting different amounts than they are currently suing me for and the account numbers are different than account numbers that I'm also currently being sued for. All of the bank statements had numerous different addresses which I never reside and I constantly dispute through this whole case that this is not my debt, I do not owe it and that I am not the owner of the debt. Also, midland credit did not put in comment section of report that I disputed the debt until I serve them with a motion to dismiss XX/XX/XXXX and one of the bases was that they reported false and inaccurate information to the credit bureaus. XX/XX/XXXX I get an alert from XXXX  that my credit report has been updated. Midland collection agency finally updated to show that I disputed the debt but had not reported for at least 2 years. Midland credit not reporting that obviously has had an effect on my credit score and report profile. My credit score went up 25 points just from them adding that comment alone.

Company response to consumer: Closed with explanation