BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-13
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have concerns about how Chase handled a fraudulent purchase on my account. The purchase was stopped ; however we were not notified of a phone number change. They stated they notified us but said they could not provide proof to a customer -- a court order was needed. Additionally, when trying to work with their staff, they appeared to have many inexperienced representatives ; long hold times and pieces of misinformation. XXXX calls, two hours, XXXX rep 's and XXXX supervisors to finally determine what happened and ensure my account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
XXXX XXXX XXXX a debt collector, filed a lawsuit against me in behalf of Wachovia, who was later bought by Wells Fargo. I was never formally served any intention to take this matter to court, therefore I was not provided an opportunity to defend myself in court and they were awarded a judgement by default.

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 2017-07-17
Company: Adler Wallach & Associates, Inc.
State: MO
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:
On my  XXXX  report I disputed AWA collections account for {$380.00}. I paid the original creditor   XXXX   on  XX/XX/XXXX  in the amount of {$310.00}. The original creditor  XXXX  shows my account as a  XXXX  balance. I called everyday from XX/XX/XXXX  through XX/XX/XXXX  to check the status of getting this collection account removed. I spoke to  XXXX  who escalated my account to her supervisor to email AWA collections that my account balance is   XXXX  . AWA collections claim they have n't received any notifications from  XXXX . I spoke to an AWA supervisor  XXXX    XXXX   ext  XXXX  who claims no email has been sent and that he verified the account and the balance is still owed.   XXXX   from  XXXX  is adamant that her supervisor sent over the email to AWA and that the balance is  XXXX . This collection account was added to my  XXXX  report as of  XX/XX/XXXX .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-03
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:
I have sent my FTC report and the account still appears on my 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 2016-06-21
Company: WELLS FARGO & COMPANY
State: HI
Product: Bank account or service
Sub-product: Savings account
Issue: Problems caused by my funds being low

Complaint:
My Credit Card Payment was drafted from my Savings account, not my Checking account resulting in XXXX {$35.00} overdraft fee and XXXX {$35.00} returned item fee. I called Wells Fargo on XXXX/XXXX/2016 and they said the best they could do was refund 75 % of the fees, and i would have to call the credit card department and get them to authorize 100 % of the fees to be reversed. I said i did n't have time to be transferred at this moment because i was at work and would take the 75 % until i could call the credit card department. I called the Credit card department today and they refunded me there {$27.00} returned payment fee and informed me that they could n't authorize my saving account to be refunded at 100 %. I got transferred back to the savings department that informed me i had already been refunded all i was allowed. I told them I was suppose to have 75 % of both {$35.00} dollar fees reversed, but they reversed 75 % of XXXX fee and 50 % of the other. I asked if i could just get 75 % of both as i was promised and they refused. I asked to speak with a supervisor and the Wells Fargo Representative said they couldnt refund anything more because i had already accepted the partial refund. I believe the whole cause of the overdraft was bank era and i have proof that my savings from the last 6 months was never drafted for my credit card payment. thank you for hearing my complaint.

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 2017-07-17
Company: DISCOVER BANK
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I opened account with discover over 6 months ago was approved with  XXXX  credit limit I made all my payments on time with this company and all my other credit card company 's. my balance was close to  XXXX  and out of the blue I received an email stating that I was close to my limit. I check my statement   XX/XX/XXXX   it said  XXXX  but    XX/XX/XXXX    I received email stating be cautious I close to my limit. I called immediately at   XXXX   XXXX   to find out how  XXXX  disappear was advise no agent till Monday was available to help me with that question. I called and recorded the call and attached it for your records I because of inquires which I got a new car and had my other car paid for. And because of my good history new company offer me cc and because I accepted them I was lowered without letting me know. My main reason im upset they going to lower my score more because going from a 75 % to 100 % also lower my credit line affect my score. I wish they would of froze it. My income still good to my credit ratio so really think it been unfair decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: WELLS FARGO & COMPANY
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Wells Fargo opened unnecessary accounts in my name and I believe it impacted my credit score resulting in a higher interest rate on a new mortgage as well as twice refinancing a different mortgage with them. As a result, I am paying more on my mortgage than I would have paid with the higher Credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: EQUIFAX, INC.
State: IL
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:
Ive identified accounts and inquiries on my consumer report as a result of identity theft. These items are not related to any transactions made by me. Ive tried to contact the companies directly to no avail. Attached you will find the FTC report, my consumer statement, and my identification proving my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
While I was living in  XXXX  with my family  serving as    XXXX   someone opened a   XXXX   XXXX   account in my name. I found out from my local credit union years later. I never received any account or statements. I was out of the country. I did an ID theft affidavit, had it signed by a police officer and filed with my local police dept. I also sent all the information to   XXXX   XXXX   XXXX  . They then recently sent me three statements from   XXXX   XXXX   saying it was my account. It lists an address in a city I 've never lived. The address is more information than I 've ever had.  XXXX    XXXX   would n't talk to me about the account because I could n't confirm " details '' about it, yet they report it on my credit report. I ca n't possibly answer questions about an account I do n't have.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-07
Company: Ideal Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
IDEAL COLLECTION SER ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear XXXX : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you IDEAL COLLECTION SER or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : IDEAL COLLECTION SER or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11
Company: Aldous & Associates, PLLC
State: TX
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:
This company is posing as Aldous and Associates 'Attorneys at Law ' from XXXX , XXXX . I cancelled a membership to XXXX of XXXX ( XXXX ) several months ago well after my contract was expired. 

I owe nothing to XXXX and notified them in writing and verbally that I would not be continuing my membership, that my contract is expired, and that I no longer would use or need their services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29
Company: MORTGAGE SOLUTIONS OF COLORADO
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Mortgage Solutions of Colorado LLC. asked me to send them my complete financial information via fax and/or emai, in which we did. I do have a sale date of XXXX XXXX, 2016 and I have called Mortgage Solutions of Colorado LLC. to check status on my file, and my sale date. I just spoke with XXXX a representative in the Loss Mitigation Department on behalf of Mortgage Solutions of Colorado LLC. and was informed my file is complete and was forward to the processing department and is currently in line for review. However when I asked about the sale date XXXX informed me they, Mortgage Solutions of Colorado , LLC, do NOT postpone sale dates until the package is complete. XXXX XXXX she just told me my file was complete and because of the completion the file was forward for underwriting and asked her to correct me if I am wrong? XXXX placed me on hold and came back on the line to inform me they will try to review my file and I can call back tomorrow to check status on my file and see if they did not sell my property. I explained my sale date is tomorrow, how does she want me to wait specially when she just told me the file is complete and this is why it was forward already for review. I asked to speak with a supervisor and was transferred to the collection department, whom then transferred me to the loss mitigation department whom transferred me back to the main menu.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: Weinberg Mediation Group LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Recevied a call from someone at the Weinberger Mediation Group, told to call back at (   XXXX   )  XXXX , threatened me by saying this was their last attempt and my lawyer needs to get ahold of them before they serve me and press charges. I have no clue what this is pertaining to, im sure its a scam and they need to cease and desist all contact with me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check from my son a Joyous occasion that he repaid back a loan to start his business Deposited on XX/XX/XXXX on XX/XX/XXXX a restriction was placed on account, after several hours on the phone, the funds were to be released on XX/XX/XXXX On XX/XX/XXXX restriction remained Chase was unaware of policy at local branch, several hours on the phone information was needed, I complied and had my son go to bank and upload all information, next day XX/XX/XXXX account was closed. NO INFORMATION AT ALL WAS DELIVERED BY CHASE BANK XXXX  NOTHING BLANK CANVAS NOTHING AT XXXX LOCAL BRANCHES IN XXXX OR XXXX XXXX WHERE MY SON XXXX NOTHING TO MY SECURE MESSAGE CENTER< NO REACH OUT TO XXXX BANK MYSELF OR THE BRANCH NO CLUE BY INCOMPETANT CHASE BANK i call again so happy on a recorded line NO ONE KNOWS ANYTHING on XX/XX/XXXX he has to go back into the bank to upload again!!! The account is closed My money is gone, No clue in Chase where it is, when I will receive it, who was notified of additional requirements, when I could expect my money THAT WAS STOLEN and what happened to the XXXX It Is truly a CHASE bank

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was informed by   XXXX   XXXX   XXXX   that my alleged account with them was sold to Crown Asset Management even though   XXXX   XXXX   XXXX   claim against was dismissed in court. I have called and left several voice mails with Crown Asset Management to discuss this matter and no one answers the phone or returns my calls. Crown Asset Management does not have a working website to contact them via the internet either. I would like any intended actions against me or my credit by Crown Asset Management to be ceased immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: Quality Loan Service Corporation
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
loan originator   XXXX   XXXX   XXXX   no longer in business. there was two closings and the second closing i was not there. the 1-4 rider documents were forged of my name and initials. also the loan was usury over legal limit..It was approx 9.99 %. they went to fed window took my treasury account ssi number All CAP NAME and routing and loaned me back my money and charged unlawful interest unbeknown they went out of Business the following year.   XXXX   is back on Title and are not in Business since 2007. I have a claim in, I am the title holder real owner and no contract with anyone it is all VOID from the Start, and I am the beneficiary. I have warrants into President Trump,   XXXX   XXXX   (  XXXX  ) accountability office,   XXXX   XXXX  , and U.S. Supreme court Defaulted bill for damages, crimes for CEO 's etc. and money 's used of my Private Trust Account. Next they will go to the FDIC etc.. I have notified   XXXX   for payoff that I do not owe today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
While I was living in  XXXX  with my family   XXXX  as  XXXX   someone opened a Capital One account in my name. I found out from my local credit union years later. I never received any account or statements. I was out of the country. I did an ID theft affidavit, had it signed by a police officer and filed with my local police dept. I also sent all the information to   XXXX   XXXX   XXXX  . They then recently sent me three statements from Capital One saying it was my account. It lists an address in a city I 've never lived. The address is more information than I 've ever had. Capital One would n't talk to me about the account because I could n't confirm " details '' about it, yet they report it on my credit report. I ca n't possibly answer questions about an account I do n't have.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
EQUIFAX REMOVED A PAID TAX LIEN FROM MY REPORT IN  XXXX . TODAY,  XX/XX/XXXX , THE RE-INSERTED THIS SAID PAID TAX LIEN BACK ON TO MY REPORT. THIS IS IN FACT ILLEGAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been trying to get a payment history from Navient for about two years, with an explanation on how they came to the balance they have as it looks to be nearly 4x what I believe it to be. They refuse to provide a history of any kind or copies of the loan documents to show they are able to charge fees on the account. My loan is approximately 20 years old and I want to see what I agreed to.
I previously filed a CFPB complaint which they only provided a generic response that I would have to call them. They have never, in nearly 2 years, provided a payment history or loan documents despite numerous requests. Calling them does n't provide the payment history or the loan documents and given the conversations previously, I would prefer all communications to be in writing. I absolutely do not want them calling me.
Navient has intercepted my federal tax refund, with a pending dispute on the loan, and still I have no idea what the balance is or how they came to that number. This seems patently wrong - how can you intercept funds, without proving those funds are owed?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: CAINE & WEINER COMPANY, 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 was paid

Complaint:
I rented a storage and paid in full for the service. they sent me to collections when this was paid at time of service

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: WY
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
I received a e-mail from a lawyer claiming to be from the United States Court House with no offical signature or individual sending it. It states I owe a payday loan to ACE Cash Express. I do not recall this company, since there is no contact person on this e-mail I feel this is a form of fraud. This e-mail states to send money immediately to prevent lawsuit by the United States Court House and closure of my bank account. I did contact my bank informing them of this e-mail and this might be a case of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17
Company: Meridian Financial Services, Inc.
State: MD
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:
I never received an XXXX notice, I checked my credit report and saw Meridian on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
TransUnion reports a status of my   XXXX   XXXX   XXXX   home equity loan account starting with  XXXX **** as " Current ; Paid or Paying as Agreed ''. This is incorrect.
The last payment on the said account was made in   XXXX   2010. The account became late in  XXXX  2010, was never again current and should be deleted as obsolete.
I disputed with TransUnion, but the account was verified as accurate.
I would like TransUnion to end reporting of obsolete information by deleting the  XXXX  account starting with  XXXX **** from my credit file.

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