BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-06
Company: Square Inc
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Well i was hack into on my computer where serveral prepaid cards i have were used to a sight called XXXX and my cash app which i am having problem with them refunded all the charges i did not authorised, i am a XXXX XXXX i have a XXXX XXXX XXXX XXXXXXXX i am XXXX years old on XXXX i was XXXX  in 2016 very badly and now i suffer from many XXXX things, the company is cash app that my pre paid card ending in XXXX i dont know the name of the bank they only refunded the XXXX statement XXXX charges XXXX, XXXX, XXXX and XXXX thats all they did this goes back to XXXX in XXXX where it started XX/XX/XXXX XXXX and XXXX XXXX XXXX for a total of XXXX XXXX charges XX/XX/XXXX XXXX charges XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a total of XXXX XXXX Charges are a total of XXXX for dates XX/XX/XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX total is XXXX dates XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX the grand total of refunds owed to me are {$420.00} thats halve of my rent i am being evicted for not paying my XXXX rent please help me get my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: Fay Servicing, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for loss mitigation assistance with my loan servicer, Fay Servicing, due to financial hardship resulting from a house fire coupled with a decrease in household income. However, due to extensive delays with Homeowners Insurance releasing funds for repairs/fire restoration expenses, my home is unoccupied and has remained vacant for several years. The mortgage is severely delinquent, while we are forced to maintain temporary housing until our home is repaired & suitable to live in. We have exhausted all efforts and options available and are only met with resistance and indifference from our lender/servicer, which has changed many times over the years. As owners of the property our home retention efforts have been denied and/or ignored. We are in immediate need of assistance to finally resolve this ongoing issue, which has caused a significant and unnecessarily lengthy hardship to our family, including prolonged displacement, the financial burden of maintaining temporary housing, severe credit damage, and extreme emotional and mental stress. Thank you in advance for any assistance or advice you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
JP Morgan Chase has operarated ( and continues to ) in an extremely unprofessional manner. They continue to accuse me me of not getting requested documents to them in a timely manner and basically accuse me of lying about things that have happened during our request for a simple loan modification on our mortgage with them. This is evidently something that they have done to numerous of their customers. For several years I have been in serious dispute with them regarding this matter and I refuse to give up until we receive a satisfactory resolution. 
The loan is in my fathers name and I have always had authorization to discuss anything regarding the account. I had received numerous correspondences from them until the last time I filed a complaint about them, approximately a month ago, I receive a letter.from them accompanied by some authorization forms telling me that I am not authorized to discuss the account. BUT I am indeed authorized to discuss the account, nothing has changed on our end regarding that. 
They are complete imbiciles that has no clue how to treat their customers. 
I will continue to report them to any company or organization until we receive a satisfactory resolution. 
This is a follow up on a previously submitted complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: LEXISNEXIS
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/2020 2 certified letters were mailed to LexisNexis asking them to verify the information which is located in my file they maintain under my consumer report. I received a letter dated XX/XX/2020 stating that the information they verified was correct. However I mailed a letter to the Office of XXXX XXXX county clerks office of XXXX county asking them if they verify tax liens with consumer or credit reporting agencies and the letter states no they do not report, validate, or confirm tax lien fillings or records to the credit bureaus. Yet and still LexisNexis continues to report the tax lien in the consumer report listed under my consumer number. I have provided copy of the letter in which was sent to me from the County clerks office, the same letter which was mailed to Lexis Nexis.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: I.C. System, Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/2019 - I got a alert from one of my Credit monitoring services about my Credit file/score changing .Upon doing my research and looking at my credit files - I noticed my score dropped tremendously from a account I had not recollection of ( IC systems ) .. I called IC systems several times on XX/XX/XXXX and got no answer. Got a alert XX/XX/XXXX from the same credit monitoring service that my score has been compromised again - guess by who?? IC Systems reported this account 4 or 5 times in one month and thats not legal.. A different date and No validation of debt or nothing is not right .. I need answers!!! And I need them now!!!!

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 2016-03-11
Company: JPMORGAN CHASE & CO.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX are notorious in trying to collect fraudulent debt. Their attorney refused to compel discovery from the court. They claimed that they served in a house I did not owe and also I was in XXXX at the time of service. This company and their shady lawyers must be confronted and fight back legally. I won the set aside Motion and got my garnished money back. I urge anyone who has a problem with this company, please contact me at XXXXXXXXXXXX and let us get together and hire a lawyer and file a lawsuit. This does not even have an address or phone number you can contact them but you can contact via XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, DE XXXX. I wish you all a great luck and fight back if you are correct or debt is old and does not comply with the statue of limitation. I heard this company and their shady lawyers trying to collect debts from 1970 's. Just XXXX their name and you will see the truth.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: BARCLAYS BANK DELAWARE
State: MO
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:
Had a Gap Visa XXXX credit card and they were bought out by Barclays Mastercard. I have an outstanding {$6000.00} refund I am still owed. 

Claim Numbers : XXXX # XXXX Previous Credit Card Numbers XXXX XXXX XXXX XXXX then XXXX XXXX XXXX XXXX Barclays # XXXX and # XXXX XXXX  Complaint # 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 monetary relief
Consumer complaint received 2016-01-04
Company: BB&T CORPORATION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
on XXXX/XXXX/15 my paycheck was deposited in to my checking account i have wit bb & t bank .i made a series of purchases and payments that i had enough to cover from my paycheck which was XXXX .upon continuously checking the account my wife confirmed that the balance was going down as expected as normal .as the weekend approached we had XXXX bills that popped up unsuspectingly so we paid those not realizing we did n't have the funds to cover them fully until we checked the account later however all the prior purchases were covered as the available balance was decreasing as the purchases were being cleared. the last available balance was XXXX and the pending purchases did n't exceed that or equal it. the final to payments we made which ended up in overdraft would normally have placed us in the negative at least XXXX but instead we received an overdraft notice for XXXX for XXXX purchases that was supposed to be covered with XXXX that was left in the available balance.After at least XXXX phone call and tears from my wife 's eyes because we could n't get help as every person we talked to tried to cover the banks crooked practice in bank babble we finally talked to a young woman who acknowledged that because we overdraft on the final XXXX purchases the previous XXXX also went into overdraft which is basically saying the XXXX just disappeared into thin air and does n't matter and they charge us overdraft fees for things that were already paid for out of the available balance and the last XXXX purchases are still pending so that would be an extra XXXX in overdraft fees totaling to XXXX. if we made a mistake we have acknowledged it and were willing to pay the balance on the last XXXX purchases but the prior XXXX purchases were paid for as we had the money to pay for them and the digression of the available balance reflected and even thev last teller acknowledged that had we not made the final XXXX purchases we would still have been in the positive so what we have here is FRAUD basicaly they held all the smaller transactions that were made earlier during the weekend until we made the bigger purchase then they cleared the small purchases to be able to charge us overdraft fees for all XXXX of them .then a week later we received a penalty for a transaction we were told they could n't block although we told the it was fraudulent and the result of a dishonest broker who told us we were purchasing health care when in actuality we were purchasing life insurance .Ive reviewed many complaints about this bank by many people and have even seen a lawsuit over this same fraud. this bank is breaking the law and no one is doing anything about it .they even altered the transaction records to confuse us but we were constantly checking our transactions on the android app so we know we were doing the right thing

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
THE DISPUTED ACCOUNTS HAVE BEEN CONTINUOUSLY DAMAGING MY CREDIT AND THOSE INFORMATION HAS BEEN REPORTING INACCURATELY. I AM IN DISTRESSED BECAUSE I HAVE BEEN PLEADING TO HAVE THESE DEROGATORY ACCOUNTS OFF MY CREDIT FILE. THOSE ARE NOT LIABLE TO ME AND THEY HAVE BEEN REPORTING FALSE TRANSACTIONS THAT WERE NOT MADE BY ME. PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS LISTED ON THE ATTACHED REPORT REMOVE AS SOON AS POSSIBLE. 

THOSE DEROGATORY ARE PREVENTING ME FROM CLOSING ON A REAL ESTATE DEAL DUE TO THE FALSE ENTRY THAT HAVE BEEN PLACED 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 explanation
Consumer complaint received 2020-08-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This account is being reported inaccurately and incorrectly on my credit report. I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-01
Company: JPMORGAN CHASE & CO.
State: LA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Chase Bank did a revamp of their online banking website. It is dysfunctional. I went online to pay my bills and was shocked to find the new site and some sections not operational. My Bill Pay was completed XXXX up. I complained in several emails. The site looks like an app not a banking site. I told them XXXX XXXX XXXX did a better job. I complained bitterly. I told them I was walking out the door to find another bank. They escalated this email to Homeland Security. How do I know? I received a phone call immediately thereafter from XXXX XXXX. I did not answer the call. My cell phone was hacked and inoperational. My computers also show evidence. So, we can no longer complain, correct? About anything. If we do, we are turned over as threats, punishment by the institutions we use.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
Made a deposit into the night deposit. The signage at a certain branch states that deposits made after XXXX will be credited the next day. That is false signage. The night deposit is checked by a bank employee after the bank closes each day, at XXXX. So my deposit made at XXXX on a Wednesday would not be credited until after close of business on Thursday, even though the signage states it will be credited the next business day. Crediting at the end of the next business day is at minimum misleading. Branch manager told me he would change signage 3 months ago to reflect what time the night deposit is checked. 
This occurred at the Chase Bank, XXXX XXXX, XXXX, CA XXXX and I spoke with manager XXXX XXXX three months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16
Company: Security National Automotive Acceptance
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
the account was made in 2009 and is currently past the statue of limitations. The company has not removed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I experienced the same with JP Morgan Chase. Chase requested numerous documents and called the wrong phone number. They messed up my refinancing and it took more that 130 days for them to process my refinancing. " XXXX subsidiaries gave the runaround to borrowers who were already struggling with their mortgage payments and trying to save their homes, '' CFPB Director XXXX XXXX said in a statement. " Consumers were kept in the dark about their options or burdened with excessive paperwork. '' XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
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:
I want the credit acceptance account and the automated rent debt collection removed from my credit. Both accounts have been paid

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
THE DISPUTED ACCOUNTS HAVE BEEN CONTINUOUSLY DAMAGING MY CREDIT AND THOSE INFORMATION HAS BEEN REPORTING INACCURATELY. I AM IN DISTRESSED BECAUSE I HAVE BEEN PLEADING TO HAVE THESE DEROGATORY ACCOUNTS OFF MY CREDIT FILE. THOSE ARE NOT LIABLE TO ME AND THEY HAVE BEEN REPORTING FALSE TRANSACTIONS THAT WERE NOT MADE BY ME. PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS LISTED ON THE ATTACHED REPORT REMOVE AS SOON AS POSSIBLE. 

THOSE DEROGATORY ARE PREVENTING ME FROM CLOSING ON A REAL ESTATE DEAL DUE TO THE FALSE ENTRY THAT HAVE BEEN PLACED 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 explanation
Consumer complaint received 2020-08-06
Company: EQUIFAX, INC.
State: NY
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:
After consulting with my attorney XXXX XXXX of XXXX XXXX XXXX XXXX, I was advised to complain through this medium. I am a victim of identity theft. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) the credit bureaus are required to provide proof of account ownership. These accounts were opened by a family member who stole my identity. I had PERFECT credit up until when these accounts were illegally opened. 

Account Name Balance Owed Date Opened 1. XXXX/XXXX  {$490.00} XX/XX/XXXX 2.  XXXX XXXX {$1000.00} XX/XX/XXXX 3. XXXX XXXX XXXX  {$0.00} XX/XX/XXXX 4.  XXXX XXXX XXXX {$790.00} XX/XX/XXXX 5. XXXX XXXX {$1100.00} XX/XX/XXXX 6. XXXX XXXX {$570.00} XX/XX/XXXX XXXX. XXXX XXXX   {$0.00} XX/XX/XXXX 8. XXXX XXXX {$20000.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: EQUIFAX, INC.
State: NC
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 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Balance : {$6000.00} ; XXXX XXXX Balance XXXX {$2300.00} ; XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX {$670.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX  XXXX Balance : {$810.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$410.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$350.00} ; XXXX XXXX XXXX ( XXXX : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$220.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: Experian Information Solutions Inc.
State: NY
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:
After consulting with my attorney XXXX XXXX of XXXX XXXX XXXX XXXX, I was advised to complain through this medium. I am a victim of identity theft. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) the credit bureaus are required to provide proof of account ownership. These accounts were opened by a family member who stole my identity. I had PERFECT credit up until when these accounts were illegally opened. 

Account Name Balance Owed Date Opened 1. XXXX {$490.00} XX/XX/XXXX 2. XXXX XXXX {$1000.00} XX/XX/XXXX 3. XXXX XXXXXXXX XXXX {$0.00} XX/XX/XXXX 4. XXXX XXXX XXXX {$790.00} XX/XX/XXXX 5. XXXX XXXX {$1100.00} XX/XX/XXXX 6. XXXX XXXX {$570.00} XX/XX/XXXX 7.  XXXXXXXX XXXX {$0.00} XX/XX/XXXX 8. XXXX XXXX {$20000.00} XX/XX/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