BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-19
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am in possession of 4 TIGR Bonds, issued by XXXX XXXX XXXX XXXX ( below and attached ). I then outline my weekslong effort to receive an answer about how to redeem these bonds. 

This table did not paste in well, I apologize. 

CUSIP Number Maturity Date Face Amount XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX On XX/XX/XXXX, I reached out to XXXX XXXX XXXX Relations via telephone, as I was informed that they were the payee per DTC. 
On XX/XX/XXXX, after not hearing back, I emailed XXXX Bondholder Relations, and heard back on XX/XX/XXXX that although XXXX is listed as the payee, due to the maturity date, my bonds were to be serviced by Chase. 
XXXX informed me that I would be best served contacting Chase at the below address : J.P. Morgan Chase Attn : Research Department Corporate & Investment Bank XXXX XXXX XXXX - XXXX XXXX  XXXX, Texas XXXX On XX/XX/XXXX, I called Chase support to attempt to connect with someone at the above Research Dept, but was unable to be provided a phone number or email address to connect directly. 
On XX/XX/XXXX I mailed a letter to the above referenced Chase address ( certified mail tracking # XXXX, confirmed delivery on XX/XX/XXXX ) On XX/XX/XXXX, I reached out via Chases social media ( XXXX  ), attempting to again find a contact at the Research Dept. They were unable to provide any additional contact information, and attempted to again tell me that the US Treasury was the appropriate contact for these bonds ( confirmed via Treasury email on XX/XX/XXXX that they were not the correct party ). 
On XX/XX/XXXX, reached out to Chase bank executive office ( XXXX ) On XX/XX/XXXX, reached out to XXXX XXXX email address at Chase On XX/XX/XXXX I received a voicemail from Chase executive offices, which I returned a voicemail to. 
On XX/XX/XXXX I left another voicemail with Chase executive offices. 
On XX/XX/XXXX I heard back from Chase Executive offices that I should refer to the US Treasury for information on these bonds ( see # 5 where Treasury said it is not their responsibility ). 

In short, from what I have learned, Chase bank should be the payer of these bonds, and they are claiming to have no record and not be responsible. I regularly check my states missing property database, and had not come across anything from an escheatment perspective.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
An account was opened in my name in XXXX without my consent. The person was paying on the account. They had their email, their phone number, and their address linked to the account. I found out in XXXX and immediately brought it to the attention of law enforcement. I filled a report and pressed charges. I was advised by the officer to reach out to the creditor to see what they suggested. I have been trying to get this issue resolved since. The person was found guilty spent time in jail and has since been released. Yet, I am still trying to recover from what they did to my credit. I have disputed the account, and they apparently deemed that I am responsible for the account. However, whenever I try to call about the account to get information to help my case, they advised they can not give me any as they are not allowed to release the information. The person used all their information for the account ; they just used my SSN and name. Everything else belonged to them. I need help resolving this because it is not fair what is happening to me or what was done to me. Police report case number XXXX. The thief was ordered to take ownership of the accounts she opened, and she did so. A document was sent to her to sign and return to accept ownership of the account. I was told she would only be able to pay off the balance and not incur any other charges under my name. I even paid for the postage just to make sure it was sent. I was even provided a copy of the signed document for my records. Case number XXXX. However, each month I get hit with a negative report from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-31
Company: EQUIFAX, INC.
State: FL
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:
On XXXX XXXX, 2017, I filed a dispute with Equifax ( XXXX ) in regards to my credit inquiries. I submitted my police report ( XXXX ), and they are refusing to remove the inquiries I did not authorized. They are repeatedly telling me to contact the creditor, and when I call the creditor they tell me they have no record of my name in their database. I spoke to someone from Equifax fraud department on X/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: Freedom Mortgage Company
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
A separate complaint was entered on XX/XX/2021 due to the delay of a modification request. The company ( Freedom Mortgage ) continually told myself and my co-borrower that our " signatures '' did not match what they had according to their underwriters and despite their documentation requesting that we signed the documents in a manner which they specified. The company response to the last complaint simply reiterated this signature issue without resolution. 

After multiple calls to Freedom Mortgage and being advised to constantly wait for a callback ( we never received one ) we were advised that our " [ modification was approved and that the underwriting issues did not matter, so we should just make a payment based on the modification ] '' when the website and/or statements were updated. The website and statements were never updated and do not reflect an active modification agreement. We've made multiple recorded requests on this and were constantly told to " wait ''. 

Recently, the representative language has once again changed randomly. They now tell us that b/c we didn't make a payment we have to accept a new COVID 19 agreement w/ a rate 1.125 pts higher than the original modification.

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 2016-06-12
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Freedom Mortgage is refusing to pay property tax I have an escrow account they have sent me a letter stating they will not pay it i sent them a copy of unpaid property tax and theyou continue to ignore my complaints

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 2015-11-24
Company: Diversified Adjustment Service, 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:
Upon applying for a credit card I found that I was denied for a deliquent account. I looked up my annual credit report and found the supposed debt. The debt is absolutely not mine and I in no way opened the account listed. It is completely fraudulent.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20
Company: Freedom Mortgage Company
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
For XX/XX/XXXX my lender said I had an escrow shortage of XXXX for this year up to XXXX XXXX, I paid the shortage amount. Now the lender says I have a shortage XX/XX/XXXX of XXXX which is from XXXX XXXX till XXXX XXXX. There are no increases in homeowners or Taxes however they are lowering my escrow amount because of my PMI reducing. Now if I pay the shortage it will lower my monthly payment but we will have more shortage down the road. Why is my loan being paid off but my escrow is a higher payment.

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 2022-10-13
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XX/XX/2022 Hello, This is a second attempt in contacting your agency in regard to incorrect personal information being reported to my credit report. There are fraudulent accounts and addresses being reported to my credit report by your agency. Fraudulent in this respect, names, addresses, and employment information that does not belong to me. Attached, is the previous letter sent to your agency. 

PLEASE DELETE THE FOLLOWING NAMES THAT DO NOT BELONG TO ME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My name should instead be reflected CORRECTLY AND ACCURATELY on my credit report. My name should be listed as the following : XXXX XXXX XXXX, XXXX. 

Attached with this letter I have included a copy of my STATE IDENTIFICATION CARD to verify this information. 

Please also delete the following addresses as they do not and have never belonged to me : XXXX XXXX XXXX XXXX XXXX, DE XXXXTHIS IS NOT/WAS NEVER MY ADDRESS. 
XXXX XXXX XXXX XXXX XXXX, DE XXXXTHIS IS NOT/ WAS NEVER MY ADDRESS. 

My address should be displayed as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX I have given your agency ample opportunity to correct this information. YOU ARE IN DIRECT VIOLATION OF MY RIGHTS AS THEY PERTAIN TO THE FAIR CREDIT REPORTING ACT. Pursuant to ( 15 U.S.C 1681 ( e ) subsection ( b ) ), which states, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I HAVE PROVIDED PROOF. 

15 USC 1681 ( i ), which states, ..If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 )... 

Please DELETE this inaccurate information within 15 days of the receipt of this letter. Please also forward an updated credit report reflecting these changes to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX. 

I HAVE ALSO FILED A COMPLAINT WITH THE CFPB. A COPY OF MY REPORT IS INCLUDED WITH THIS LETTER. 

ENCLOSED WITH THIS LETTER : Prior dispute ID and Social Security Card Current Utility Bill CFPB Complaint With Kind Regard, XXXX XXXX XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-24
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is stating that I owe them and its on my credit. I don't have a signed contract with them. This account have been on my FTC report and Ive disputed with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: WESTERN UNION COMPANY, THE
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I wanted to transfer money to my parents for their medical needs in XXXX and saw an ad. about WU Pay so, I downloaded the WU Pay ( Western Union ) in my XXXX. Then made a call to Western Union to understand the process. I was told to add WU Pay as payee in my bank checking account and paid the money I wanted to transfer into the WU Pay. So, I paid {$620.00} from my XXXX XXXX XXXX checking account to WU Pay and WU Pay received {$620.00} from checking account on XXXX/XXXX/2016. After making several calls and emails ; I was notified by Western Union/WU Pay dispute escalation team that they can not find my {$620.00}. I have provided them with cancelled check for {$620.00}, XXXX and XXXX bank statements to prove that they have my {$620.00} but Western Union/WU Pay is unable to locate my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-05
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I have been getting payday loans from this company for years and this month because my last was not within 30 days of XX/XX/XXXX they had to date this month 's loan for XX/XX/XXXX and instead of holding it for XX/XX/XXXX in good business practice. Instead they deposited it on XX/XX/XXXX. Other companies call and ask if that date is okay or not. I was charged a {$29.00} NSF. They did call me and tried resolve the issue but the Area District would not okay the return of the fee. I know I was not the only one with this issue because the clerk at the center told me so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was a victim of identity theft and noticed a collection from XXXX XXXX XXXX I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against XXXX XXXX in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: EQUIFAX, INC.
State: NJ
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:
I have been contacting these companies since XX/XX/XXXX!! I have not received not ONE letter or ANY updates on my credit report. There are duplicate accounts reporting along with inaccuracies across my entire credit report. I was lenient and sent them another letter and still NOTHING. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated please find attached. 

They need to be removed because at this point its been over 60 days since I sent them letters to investigate and nothing has happened and nothing was verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My son stole checks from us ( Wells Fargo Checking Account ) and cashed them into his Wells Fargo Checking account. The checks were NOT SIGNED and the " To '' Field was NOT FILLED OUT. He deposited them at an Wells Fargo ATM. A total of XXXX checks for a total amount of {$4600.00} over a period of over a months were cashed. Wells Fargo did not flag or return any of these checks despite the obvious deficiencies ( see attached file for a copy of the checks ). When I talked to Wells Fargo about this, they said that the ATM is just a machine and can not verify checks, that there are too many checks cashed every day at ATM 's for Wells Fargo to verify them and that it is up to the account owner to catch any deficiencies. We also field a fraud claim with Wells Fargo, which was denied based on the fact that we are signers on both accounts ( our and as parents on the teen checking account ). 
I understand that my son 's action are my responsibility and I agree with the reasoning for denying the fraud claim - after all, if the bank tried to recover the money from him, it would have to come from us since he does n't have any ... However, I have a serious issue with a bank shrugging off the responsibility for reviewing checks. If they chose to delegate check acceptance to a machine ( ATM ), they need to put the same controls in place that they have at the counter. No teller would have accepted a check without a signature, a check without a " to '' field, a check without a date or a check where the number and word amount does not match - yet for an ATM to accept them and no-one reviewing them afterwards is supposed to be acceptable? Our son tried writing several small checks first and when they went through the system without raising any flags, he followed with more and bigger checks. If the bank had caught the clearly incomplete checks within 5-10 business days, we would have been alerted and could have stopped it right then. This would have limited our losses to {$750.00} and would have meant a misdemeanor charge for our son. Because the bank continued to honor these checks with no review whatsoever, he continued to write them and our losses went up to {$4600.00} before we caught it on our bank statement and our son now faces felony charges.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I was sent an offer on XX/XX/2020 for a capital one savor credit card. This card showed to have an offer of {$300.00} in rewards if {$3000.00} was spent in the first three months. I applied for the card fir this reason and was approved. After spending well over {$3000.00} in less than 3 months, I called capital one and was told that I do not have the sign up offer on my account. The representative told me that there is nothing they can do to help even though this offer was shown when I applied for the credit card.

Company response to consumer: Closed with explanation