BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Chase bank made a error and lien our property with another property 's loan and they are not responding to my complaint and I am about to lose a refinance because of their error, please read the complaint I filled with Chase. 

Reference : chase loan # XXXX Case # XXXX Case # XXXX Property address : XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX : XXXX To whom it may concern : In XXXX Chase offered to refinance this loan for a lower rate which we successfully did. 
In XXXX XXXX it was brought to our attention by XXXX that Chase Bank has a lien for collateral the neighboring house on XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX number XXXX we are in the process of refinancing XXXX XXXX XXXX with XXXX they have given us notice that they can not proceed with the refinance until Chase Bank corrects this error and removes the collateral loan from this property to the correct property and parcel number which is XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX number XXXX. 

I have sent in writing at the beginning of XXXX to Chase alerting them of this error I received a letter on XXXX XXXX that they are " researching '' this issue I have called practically every business day since then talking to multiple agents and transferred from department to department with no one offering a resolution, I have contacted first XXXX XXXX XXXX ( file # XXXX ) they have acknowledged the error but can not proceed without instructions from Chase I have exhausted all of my attempts to try to get Chase to correct their mistake I have spent endless hours on the phone I have visited the local branch in XXXX XXXX and met with XXXX XXXX XXXX relationship banker XXXX XXXX who spent 1 hour on the phone and no one has any idea how to resolve this issue. 

Time is running out where we have a rate locked in with XXXX on XXXX for the refinance, if Chase does not resolve this by XXXX XXXX, XXXX I will have no choice but to initiate a lawsuit with legal action to recover my financial losses because of the error that Chase Bank is not correcting, Chase bank has had over 30 days of notice to correct this error, only to give me the runaround and much lip service without any resolution all I get " its being researched ''!! 

If I do not hear a response for you by Monday, XXXX XXXX, XXXX I will retain an attorney to represent me and to go with the full strength of the law to recover my losses and punitive damages for my time and energy exerted in trying to correct this wrong. 
You can reach me at XXXX my cell phone or you can reply to this email address I truly hope that the Chase bank will take this matter seriously and will respond favorably and immediately, Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: EQUIFAX, INC.
State: VA
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:
Unfortunately, I am having many unfavorable experiences with your credit reporting agencies. After informing your credit bureau of the unlawful, inaccuracies listed on my credit report, they have failed to provide a reasonable update on the status of my requests. I am currently in the home buying process and this has an extreme negative impact on my life and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I went on vacation to XXXX XXXX I was conned into watching and listening to a timeshare presentation the woman lied and said timeshares had changed and I could use my new XXXX anytime I wanted and it basically I could live there and thats what I thought that I was signing which was an inaccurate and I have a copy of the contract and this is not what I agreed to and I will never pay them any money they conned me and took advantage of a person with a XXXX on my vacation

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 2022-03-21
Company: EQUIFAX, INC.
State: IL
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:
This company is breaking the consumer law with their improper use of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27
Company: Experian Information Solutions Inc.
State: TX
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:
I have  XXXX  account on my credit report that should not be on there never opened a car loan.        XXXX   XXXX   XXXX  Last reported :  XXXX   XXXX ,  2017  {$40000.00} Good  XXXX   XXXX   XXXX  Last reported :  XXXX   XXXX ,    2017  {$40000.00} Good This account is paid in full.      XXXX  Last reported :  XXXX   XXXX ,    2017  {$7500.00} This account i s 7 years old an d should have been deleted.      XXXX   XXXX    XXXX   XXXX   Last reported :  XXXX   XXXX ,    2017  {$3000.00} In Collections/Charge-off

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 2015-03-29
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
We were the victims of credit card fraud perpetrated by a merchant in XXXX. The nature of the fraud was altering a credit card slip and submitting it for payment to J.P. Morgan Chase Bank, as though we had authorized the charge in question. We wrote a lengthy letter to Chase, describing the underlying transaction and the fraudulent conduct by the merchant. The representatives from Chase 's customer service department with whom we dealt robotically went through the steps - likely required by a training manual - did not consider the proof that we had spent hours compiling and then posted the charge to our account. It was patently obvious from the last communication from Chase that they did not consider the information we had sent them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: EOS Holdings, Inc.
State: PA
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 have a debt collection agency calling to collect a debt that I do not owe. I send a letter to the agency requesting a Validation of Debt within 30 days. This time period has passed, and I have not received validation. I had also requested no further phone communication, yet I received another collection attempt over the phone on XXXX/XXXX/15 at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: C/C Financial
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have reached out to this company numerous times about my identity theft as a result an account was open with this company that I did not authorize or have any knowledge of until recently but I disputed this with the company directly and they haven't taken it completely off of my credit profile yet it needs to be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: SYNCHRONY FINANCIAL
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
For hearing aids allegro credit/Synchrony bank. They took my first payment from my XXXX XXXX XXXX  account in XXXX. I returned the hearing aids/never picked them up. Made sure I got the return to XXXX XXXX. Allegro told me at least 5 times that my check is on its way. I have not received anything from them. 
Allegro phone : 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 2022-07-14
Company: HUNTINGTON NATIONAL BANK, THE
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I Had a HELOC with TCF bank which is now Huntington Bank. I sold the property this loan was attached to in XXXX of XXXX. TCF provided the Title Company with a pay off amount which was paid before the good through date. Two months after I moved I got a call from Huntington bank to say I owed {$800.00}, but failed to provide information of what this amount was for. After numerous phone calls between the Title Company and Huntington bank nothing was resolved and I still did not know what the balance was for. During this time Huntington Bank was reporting me for late payments which has ruined my credit. I asked them to remove this but they said they could not unless the balance was paid. I paid what they asked even though I still do not know what this is for and sent them an email requesting they remove the derogatory reporting. This was done on XX/XX/XXXX and I have heard nothing from them. I can not get a mortgage because of this, and my lease is up at the end of the month and because of my credit score I am finding it difficult to find another house. Prior to this {$800.00} there was never a late payment on my HELOC account. Please help, I am desperate to find somewhere for my children and I.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Alliance One, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to bring to your attention the unjust actions of Alliance One, a debt collection agency, which has been relentlessly attempting to collect a debt that I am not responsible for. This debt arises from the unauthorized and illegal use of a vehicle associated with my name. Despite my extensive efforts to resolve the issue with the XXXX XXXX XXXX and the XXXX XXXX Police, my attempts have been disregarded, leaving the issue unresolved. 

Alliance One has committed a clear violation of Section 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) by continuing their collection efforts without first verifying the authenticity of the debt, despite being informed of the complex circumstances and the ongoing litigation. 

Furthermore, Alliance One has neglected to adhere to Section 809 ( a ) of the FDCPA, which mandates a debt collector to provide verification of the debt upon a consumer 's request. This oversight, coupled with their continued collection activities, has caused significant undue stress and is wholly unjustifiable given the circumstances. 

Given the severity of this complaint, stemming from a debt associated with unauthorized and illegal actions, and the lack of response from the relevant authorities, I am requesting the intervention of the Consumer Financial Protection Bureau. I urge you to investigate the actions of Alliance One and take the necessary steps to rectify this situation. My expectations include the cessation of collection activity and the removal of this debt from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-21
Company: Central Portfolio Control Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent CENTRAL PORTFOLIO XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) a letter in XXXX with tracking number XXXX requesting Can you please provide the date of delinquency, a copy of the Dunning Letter, your license that you can collect on my state, a copy of the contract with the bill of sales, a copy of the application, a copy of a signed contract bearing my signature, a copy of the payment statements of this account from which they are reporting to the credit reporting agency. I dispute the accuracy and the validity of the account. THEY FAILED TO INVESTIGATE AND RESPOND IN 30 DAYS! 

They responded with a letter with the date of XX/XX/21 and the letter is insufficient. 

CENTRAL PORTFOLIO is violating the FCRA for reporting this account with inconsistent and inaccurate information that I disputed which they then did not update to the credit reporting agencies as " disputed '' and continues to report inconsistent account information which is in direct violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: John C. Heath, Attorney at Law, PLLC
State: IL
Product: Other financial service
Sub-product: Credit repair
Issue: Customer service/Customer relations

Complaint:
On Saturday, I started receiving text messages out of the blue from XXXX. It says it 's from Lexington Law regarding a recent credit repair form I had submitted and to call XXXX. I have never sought out that company nor submitted any kind of credit repair form. I researched Lexington Law online and called the number given on their website -- different from the 800 number. The representative said if that was true, I would have seen a {$14.00} charge on my account, which I have not been charged. I have repeatedly received text messages from that number for days now, as well as multiple calls per day from the phone numbers XXXX and XXXX. The voicemail is a robot saying it 's someone from Lexington Law calling about my recent submission. Today, I tried to forward the text message to report as spam to XXXX. They said because it was a short code, I needed to text STOP. I got a reply back saying it will take 24 hours. I have auto-blocked the two phone numbers as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XX/XX/21 Received text message from XXXX : " FIFTH THIRD BANK : your ACH transfer of {$4100.00} will clear on XX/XX/21. Click here to approve or cancel it : XXXX  : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: CREDIT WORLD SERVICES, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I checked my credit score in which I now see a debt of {$850.00} from a company named XXXX XXXX XXXX which I have never heard of. Indicates this was opened as of XX/XX/2021. I have no idea who this is. Plus shows the debt collector is CREDIT WORLD SERVICE. I have not received anything in the mail indicating details of this so called debt. And I am getting strange phone calls from folks that do not say my name when leaving messages and do not leave phone numbers either. Please assist as to how this can be removed from my credit ; I do not know who XXXX XXXX XXXX is.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: KEYCORP
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Problem with customer service

Complaint:
This is a follow up complaint to : COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 KeyBank claimed in their resposne that they have resolved this, but my money has still not been returned. I have called the branch several times since the problem has been resolved, but they refused to talk to me. They made it clear that someone from KeyBank would be reaching out to help rectify, but it has been another month and nothing. I am at loss. The company is simply refusing to return the ~ {$XXXX}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Hi i have tried numerous times to submit disputes about my credit reports. I have done a rehabilitation for my school loans to get them out of default and in good standing. The credit reporting bureaus XXXX and transunion are still reporting these old accounts as delinquent amd they are not. The old accounts are still showing negative information on my credit report. I have done dispute after dispute with no results. The credit bureaus XXXX and transunion have 6 duplicate accounts showing on my report these accounts are copies of the updated records that were reported on XX/XX/21. I have explained this to them over and over.

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 2022-07-14
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone has used my personal information to open a Discover credit card in XXXX. I became aware from an email that i received recently from Discover telling me i am getting a XXXX XXXX card. I new i had not applied for that card. Then i found out from Discover a credit card was opened too. It pays to check your credit report here and there. You learn the hard way. To their credit they closed these accounts immediately. I have filed fraud and security alerts with all the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2022-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Hello so on XX/XX/2022 I mailed a letter regarding inaccurate and unverified things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the XXXX you caused me. My information was also affected by XXXX and the XXXX data breach and may have gotten into the wrong hands.

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 2016-07-18
Company: JPMORGAN CHASE & CO.
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
During the financial crisis of XX/XX/XXXX we had just opened a new XXXX XXXX XXXX. Because it was so new, we had to give a personal guarantee. It hit our industry as hard as the housing, so we had to file chapter XXXX bankruptcy and it was discharged in XX/XX/XXXX. We tried so many times to work with chase home finance for a home modification all to no avail. They would send the making homes affordable documents, we would send in the payments and they would say we did not send in paper work requested, money etc. Over and over again. I started having XXXX mostly because of this. I started sending things certified and signed for just to have them say I sent it to the wrong location. Then the last straw was when I told them I had proof and faxed them the tracking from usps, they said it could be anything in that envelope and it did n't prove anything, I finally gave up. That was XX/XX/XXXX I think. The worst thing though is how they did not foreclose until XX/XX/XXXX. Now we have to wait 2 more years before we can buy a house. It is like being punished twice. They are the ones that caused the whole thing to begin with. They want to keep it in the owners name so it makes the owners responsible if there is vandelism, fire, flood and makes them also responsible for the home owners association dues. The best reason for them to leave it in the owners name is if they foreclose, it has to be shown as a liability on their books, if it is still in the owners name, they can list it as an asset. This needs to change and not show a foreclosure so long after a bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I have  XXXX  account on my credit report that should not be on there never opened a car loan.        XXXX   XXXX   XXXX  Last reported :  XXXX   XXXX ,    2017  {$40000.00}   XXXX   XXXX   XXXX   XXXX   Last reported :  XXXX   XXXX ,    2017  {$40000.00} Good This account is paid in full.       XXXX   Last reported :  XXXX   XXXX ,    2017 {$7500 .00} This account  is 7 years old a nd should have been deleted.       XXXX   XXXX   XXXX   XXXX   Last reported :  XXXX   XXXX ,    2017 {$3000.00} In Collections/Charge-off

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