BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I attempted to close an account with Chase Bank in 2012. Apparently it did not close and I was charged roughly {$480.00} in fees. In between the time of closing my account and when the fees hit, I moved to a new address and unfortunately I did not know about the issue until recently when I tried opening account at another bank and was denied. I attempted to rectify this issue multiple times with Chase, but they stated they were " not collecting on the amount owed '' and that there was no way they could remove the account from XXXX. I ended up finding someone that would take the {$480.00} to pay off the debt, but unfortunately I am still on XXXX. I attempted to escalate the issue multiple times but it was not until I spent a considerable amount of time in a local branch that anyone even received the complaint. 

The fees I were charged should have never happened and I should not have to pay the amount I did. But since I did, they should do the right thing and remove this from my XXXX record as it is their fault for failing to close the account properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: Experian Information Solutions Inc.
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: Problem with personal statement of dispute

Complaint:
I have reached out to all three credit burears to investigate inaccurate accounts on my credit report and they have come back " verified '' but i have yet to see a proper investigation of what iv asked for from themXXXX, XXXX and Experian are listing on my credit report that i have dept colletion accounts in the amount of {$4500.00}, {$9000.00}, {$4500.00}, {$2300.00} .All they have provided is the same old paperwork that i have received over and over. it states my name and address and amount i suppossedly owe. in this investigation i have requested that they send me the original binding contracts with my signature proving that i applied for theses account and i have not received my request .I know my rights as a consumer to not have my name or credit report slandered as it is and thus making it difficult to use my credit because so. The law FRCA 15 USC 1681 states that the must by law provide me the consumer with a proper investigation that is 100 % accurate. i have demanded these reports be deleted if they can not do a proper investigation and they have yet to delete then

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 2015-05-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
-- -- -- -- -- Forwarded message -- -- -- -- -- From : " XXXX XXXX '' & lt ; XXXXXXXXXXXX & gt ; Date : XXXX XXXX, 2015 XXXX XXXXSubject : To : & lt ; XXXXXXXXXXXX & gt ; Cc : On attempt to file tax forms with taxslayer a site recommended by irs. When try to pay for state XXXX with my cap one ccard it gave me a pop up Action not complete check information so I did, retry upon seeing all my info correct XXXX..on XXXX attempt gave me error msg a code XXXX? And taxslayer number. I called they closed Date XXXX XXXX. I was curious so I ckecked my cap one mobile app there Showed XXXX pending for XXXX from taxslayer. Called taxslayer try automated system to see if taxes were Filed. NO NOT FILED! Call my ccard company sd all my info is correct and will call taxslayer tomm with me online And get charges removed. XXXX XXXX I call XXXX rep at taxslayer and she was unable to help refused talk to ccard company she suggest that to push XXXX charge threw and rest will fall off 3to5 days if not I responsible to submit bank statements. .I told rep do not push any charge threw for tax not filed .At this point I ask for management. Talk to XXXX she refused talk to ccard company was rude about it and suggest same thing to force a charge and the other XXXX pending will fall of XXXX at this point I told her NOT to push anything threw I will use a different company and ended conversation with no resolution for me. I immediately sent email to taxslayer support to speak to upper management I was upset about the way XXXX conducted business. Later I was contacted by XXXX upper management and I told her the situation at this point she advised me that XXXX charge had been pushed threw intentionally for XXXX by XXXX. Thats when things turn for the worst, I advise her to listen to call and that the charge was unauthorized and in spite or harassment from XXXX she agreed to listen and call back. Charge was made but tax not filed it about there bottom line!! XXXX XXXX XXXX call Claims that it was not clear about forcing charge and she apologized about XXXX rudeness and said that she sorry that XXXX refused my ccard company. XXXX did get XXXX of charges removed on conference with my ccard company but will have to refund the forced charge. I could not believe that upper management was covering for management. I am seeking Other party at company to review call and they will hear that I clearly said not to force any charge! XXXX and XXXX have broke XXXX serious violations and the call needs to be reviewed by the owner XXXX. I have been advised to seek a answer from XXXX XXXX XXXX to the audit of phone call and results thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: ERC
State: GA
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:
I need your help as an elderly person on exempt income who has been played on so many levels and being ignored when I send letters to all these collection agencies, credit reporting agencies and lawyers over XXXX months now back in XXXX and XX/XX/2022 of the alleged debts. There has been ZERO responses but harrassment from collections agencies that only caused me stressors.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I Western Union {$40.00} to a family member in XXXX XXXX almost a month ago, the agency refused to give my brother the money because they made a mistake in the spelling of his name, I contacted Western Union and requested a refund so I could re-send the funds, they said there was no need for all that, that they would fix it and release the funds to my brother I accept it that thinking this people were righteous, my brother went again to try to collect, they refused him again, I called Western Union again and now they 're claiming is government policy and are requesting my brother email/mail a copy of his ID to their headquarters in order for them to release his money to him, my brother has shown his ID to the agency, why should he have to send copies of his id to some office somewhere for XXXX knows in whos hands it will land just so he can get money I personally sent to him? I requested a refund and western Union through a supervisor named XXXX who refused to give me his last name he claimed because of security issues, refused to give my money back, XXXX ( operator number XXXX ) feels unsecure at telling me his last name, but XXXX speaking for Western Union wants a copy of my family member 's ID? whos keeping my brother safe from them?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23
Company: CCS Financial Services, Inc.
State: PA
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:
During process of purchasing a house in XX/XX/XXXX I shopped for home owners insurance. XXXX was XXXX of several companies I inquired but ultimately went with XXXX. Without signing any contract and after verbally telling XXXX I was going with XXXX they claim I owe them {$240.00} for insurance coverage and hired a collection agency. I sent the collection agency a copy of my insurance policy and a written letter explaining why I do n't owe this money. They have dismissed this and continue to try to get me to pay. As I have said, there was no contract between XXXX and myself. Now I 'm concerned about my credit and property over a false claim.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CT
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:
This account is paid, me and the collection company make a agreement, PAID TO DELETE from my credit report, please remove this account from my credit report. 

Account name XXXX XXXX XXXX Account number XXXX Account type XXXX XXXX XXXX Individual Date opened XX/XX/XXXX Status Closed. {$1.00}, XXXX written off. 
Status updated XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: TEXAS CAPITAL BANCSHARES, INC.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXXXXXX XXXX ( Subsidiary of Texas Capital Bank ) has some issues on their systems. At different times of the day, they show wrong balances and wrong interest values etc., Currently, starting this month, two of my ACH withdrawals were returned and they blocked all my withdrawals. I don't have any way to take the money out ( as they returned all the withdrawals ), but they allow deposit ( very strange ). Now, I am very scared and there is no proper response from the bank, except some templated message, saying they have detected some unusual activity on my account. 

I don't know what is the unusual activity as after several messages, I haven't got back any answers from the bank. I don't know what they are investigating, as all transactions on the bank are legit and everything is very clearly listed. They have some issues on their system, which they accepted as good suggestion and said will work on it. 

So, my question, why my account is blocked from withdrawal and what is the unusual activity, that they are investigation. I have lost trust with the bank and I want to withdraw the money out ASAP as I feel very scared as the bank provides any valid reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Citibank Lost my checking account and statements. I need 2 years XXXX XXXX ) of monthly statements and they assert the checking account does not exist and they can not find the account. this could result in a potential {$20000.00} tax liability XXXX and need to amend my tax returns but without that information I can not deduct my XXXX expenses.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-04
Company: Paypal Holdings, Inc
State: MO
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
PayPal Credit is a service which I never wanted to be enrolled in. I was automatically placed into an account where some of my XXXX purchases were not simply placed on my XXXX credit card, but rather given to a new creditor called the XXXX in XXXX. PayPal credit has been billing me for far more than my XXXX purchases forced into this credit account. I have reluctantly paid off all that they have insisted that I owe. I hope your agency is able to recover my losses which are approximately XXXX dollars.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-12
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I am XXXX in the XXXX which is low ranking solider and I was contacted by a " XXXX '' asking me about mypay and that my pay was wrong. He asked me that in order to correct it I needed to send the money to him and that he will fix. I told I felt funny about it and he said that this is the XXXX way and thats how we run things. He claimed that we were going to meet in his office on monday and everything was going to be resolved. Well I followed his instructions and he said he will call me back to follow up and he never called.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: iQuantified Management Services, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I will pay the amount owed, I just need information on how to pay $ XXXXto whoever I owe it toXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: WASHINGTON FEDERAL BANK
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I took out a construction loan to be converted into fixed rate mortgage loan in XXXX XXXX. In XXXX XXXX, I received a letter from Washington Federal that my mortgage rate will be a fixed at 4.875 % for 30 years with a 1 % pre-payment penalty provision prior to XXXX XXXX. I sent them a letter explaining that I was offered, in open market, a 30-year-fixed-rate of 3.75 % -- and with XXXX-fees-or-costs. 
When I signed the initial papers in XX/XX/XXXX I was told that the bank would be able to match market-rates for fixed-rate-mortgage in the future. But the bank refused to match the new rate, despite their initial verbal promises. I was left with a choice of paying nearly 1 % higher rate to Washington Federal for next 30 years to save the 1 % penalty, or paying 1 % penalty and saving 1 % yearly for next XXXX years, by refinancing elsewhere. The decision had to be immediate because the rates can change rapidly. 
I had to pay 1 % penalty to Washington Federal to get a 1 % lower fixed-rate for XXXX years. This was completely unnecessary if they had followed through on their initial promise that they would match market rates for fixed rate mortgage to avoid refinancing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
There are unauthorized businesses on my credit report.

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 2022-11-13
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I, XXXX XXXX am a consumer and natural person who is a victim of identity theft. Equifax, XXXX, and XXXX used and furnished my consumer report without my consent, authorization, or written instruction. These consumer agencies allowed companies to share my nonpublic personal information without my consent and also used that data to furnish. Congress confirms that the consumer has a right to PRIVACY! Equifax, XXXX, and XXXX has violated my federal right to privacy by failing to meet the needs of Congress by ensuring that they exercise their grave responsibility with respect to the confidentiality of my personal information.The FCRAs purpose is to be sure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect to the CONSUMERS right to PRIVACY! Equifax, XXXX, and XXXX are in direct violation of the FCRA and XXXX XXXX XXXX XXXX of 1999 by sharing and selling my nonpublic personal information without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03
Company: Caliber Home Loans, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We are in the process of trying to short-sell our home. The bank has just requested that I provide them with the following information : PROPERTY INFO : - Copy of MLS - Property Condition : Good/Average/Fair/Poor - Current Marketing Condition : Stable/Declining/Improving - Repairs Needed? : Yes/No ( if repairs are needed, need description of repairs ) - Property Photos : Front of Property, Rear of Property, Close up of Address , Street View Left , Street View Right MARKETING INFO : - Positive Comments regarding property - Negative Comments regarding property - Number of Showings from your office - Number of Showings from other office - Number of Offers Received - Reduced List Price? Yes/No - Suggested List Price - Any additional comments? 
- 3 Current Comps - 3 Recently Sold Comp - Marketing Trend : Improving/Static/Declining ( provide reasoning for trend selected ) - Problems marketing? 

I do n't feel that the bank has the authority to require that our agent disclose a marketing strategy, disclose all offers, provide feedback, etc. This is asking our agent to provide information we are not comfortable sharing, as our agent is not the bank 's agent, he is the sellers agent. The bank has implied, through the negotiating firm, that any short sale would be denied if this information is not provided to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
on XX/XX/2022 a company called ERC reached out to me about a debt from XXXX XXXX. They told me I owed a debt from 3 years ago, which confused me because I am still an active XXXX customer. I called XXXX, they said the debt was for old equipment which I didn't give them back after moving, I called back ERC and paid the debt. 

My wife then told me she paid for setup and the tech took the equipment. XXXX has since verified it does in fact have our equipment. They " accidentally '' sent me to collections because they never even checked their own systems at any point over 3 years for my equipment. XXXX is now refunding what I paid ERC but is being extremely difficult and told me it may only refund me in prepaid gift cards. However my credit score dropped XXXX points on XX/XX/2022 over a false debt which XXXX should have caught much earlier.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit profile on XX/XX/2022 I identified a discrepancy with an account listed under XXXX  XXXX  and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing the credit report again on XX/XX/2022 there have been no updates and the account is still reflecting on the report. I do not believe that the creditor has authorization to access the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Issue: Other

Complaint:
Regarding Complaint # XXXX Unresolved Capital One did not resolve my issues nor did they address all of the issues. There were at least three ( 3 ) different conversations with their non-English Speaking Fraud Dept and their response does not accurately address any of these conversations. They do not even address the lies told to me by their Fraud Dept nor does their response address the fact that their Fraud Dept stated in the conversation to me that the application process was not over and they did n't know why the card was send out. 

Unresolved 1 ) They did not void the application as requested and Capital One stating that it is not possible to do so is not true. They are dishonest ... .. just as their Fraud Dept was dishonest with me. 
2 ) They did not address the initial conversation with their customer service where they insisted that the card had been used prior to me receiving it. 
3 ) They did not address the initial conversation with their customer service where they told me the card could not be used. 
4 ) They did not address the initial conversation with their customer service where they accused me of not being who I said I was. 
5 ) They did not address the conversation with their customer service where they emphatically told me ( on their recorded line ) that the application process was not completed and they do n't know why the card was sent out. Per your Fraud Dept, there was not a completed account set up. So, this application can be voided. So, who is telling the truth, your Fraud Dept or you? 
Capital One has dinged my credit, accused me of fraud and now refuses to do what is right. " VOID THE APPLICATION '' and let 's move on with life. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
Debt collectors Proof of Service shows that a " XXXX '' received the documents at a location which is not my work or my home. Violation of my XXXX and XXXX amendment rights for improper service. Then they proceeded to get a Default Judgement and levied my bank accounts. 
I called them and they refused to release the funds and demanded payment of the debt in full.They refused to vacate the judgement and dismiss the case if I agreed to enter into a monthly plan. They also would not release the funds that were held ( based on an illegal court order ).

Company response to consumer: Closed with explanation