BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-01
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On XXXX2015 I contacted Chase claims department and custmer service to report unauthorized charge was frauduently deducted from my checking account I did not authorized by XXXX. I also contacted XXXX that I inform Chase had been contacted. Chase did not request a handwritten formal dispute from me. I was led to believe the had consumer protection for their customers. I explain to Chase that my car was being repaired and the dealorship contacted XXXX who they do business with to come to their dealorship and pick me up to transport me safely in their car to put me in a rental because the dealer did not have any loaners available. When I got to the location the business partner ask me for my personal information like drivers licensed, insurance card and a credit card. I gave to them when XXXX new the dealor was paying for it by discounted rate. When I returned the vehicle to the dealorship. The XXXX rental charged my credit card without my knowledge. On the XXXX of XXXX 2015 I received a email from Chase claims department and was told by customer service it is difficult to collect on this entity and I was not given any consumer fraud protection. I was told three weeks later that they would not be able to handle the fraud on my account. I said why did you waist my time if you knew you was not able to handle the fraud onmy account. I did call back again and spoke with someone else then was given another story that they did not have copy rights to handle this fraud on my account and never contacted XXXX to dispute the fraud. So now time has passed and time had ran out for me to rebuttal the unauthorized charge against my account. I closed my account to avoid anymore unauthorized charges to my credited card. Then I discovered Chase added the fraud charge never disputed with the merchant whom I never personally done business with only misled by business relationship with dealor and rental car business who slammed my account for charges the dealor agreed to pay for and the XXXX employee trusted the dealor to pay. Instead the rental car employee charged my car with no permission of myown. Anyone that takes possession of a rental rather the dealorborinsurance or third party is paying. A drivers licensed insurance card and credit card must be given for security purposes. The Chase rep started screaming at me very unprofessional and have bounced checks and taken money put me in the negative in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Dear CFPB, My name is XXXX XXXX XXXX I am the son of XXXX XXXX XXXX Deceased XXXX and XXXX XXXX XXXX deceased XXXX after my mother died in XXXX, I was getting letters from the Law Firm of XXXX and XXXX XXXX from XXXX, saying they were representing JP Morgan Chase Bank on about XXXX/XXXX/XXXX they filed foreclosure against me and I was illegally evicted and all my property was stolen and destroyed I am alledgeing that the note was paid off with a POD instrument that my dad had for me. They filed a foreclousure in XXXX XXXX Illinois case # is XXXX they had no standing to sue and then they illegally evicted me without a forcible and entry detainer lawsuit being filed. I know their was foul play going on. Can you please investigate for theft of my parents money and property and destruction of property XXXX XXXX XXXX I now live at XXXX XXXX XXXX, XXXX XXXX XXXX, Illinois XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I was issued a {$12.00} fee for Returned Check fee for a check that my renter wrote TO ME. Since the bounced check was written to me, and since I did not cause this action, I do n't think that Chase should be penalizing me for the actions of others. They should charge the person who wrote the check and not add yet another fee to the person who expected to get funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-17
Company: COAST PROFESSIONAL INC
State: GA
Product: Debt collection
Sub-product: Federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Coat Professional contacted my office wanting to know if this person worked here. He said that this person applied for something and he just need to is she worked here. I told him that we can not give out employee information without a consent from signed by that person. He said that he could give me her complete social and name.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: Experian Information Solutions Inc.
State: FL
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 received information back from the company stating the laws and why the inquires on my report are factual, However the company is not reading and understanding what I am saying as I have stated the inquires on my report are fraudulent as I was in the department of corrections when they were made, and you are not allowed to apply for credit when you are in prison. I have gone to the companies to dispute these errors and have spend hundreds of dollars sending certified mail only to get a response that the credit bureaus responsibility to remove FRAUD. Therefore I am again requesting that the credit bureau needs to do this job properly and read the complaint I am submitting. I am aware of the laws but I am also sure you are aware that you can not go shopping when you are in prison.

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 2016-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Transunion has locked me out of the online dispute system.

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 2015-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On XXXX of my reports there is a claim I have an open account in collections, this is incorrect. It was paid XXXX 2014. I contacted the company and they confirmed the account in collections was paid off in XXXX 2014, I just need to get it removed from my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Hello, I have contacted transunion on multiple occasions to stop illegally reporting my sister credit information on my credit report. On XXXX XXXX, I went to finance a vehicle, and my credit was flagged as high risk because I failed the security questions about my credit profile. The security questions that were asked, were questions pertaining to a car loan and the payment installments which I had no knowledge of. I then checked my credit history and saw that transunion have ignored my contact to stop reporting false information on my credit. They have been reporting my sister 's information on my credit report on multiple times. 
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 explanation
Consumer complaint received 2017-05-10
Company: Resource Management Group
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On Monday  XXXX    XXXX   I received a call from  Resource Management telephone  number  XXXX , the representative asked for a  XXXX   XXXX   XXXX   I  advised her I was not   XXXX    and to stop calling my number. On  XXXX   XXXX ,   XXXX   I received yet another call from the same number mentioned above from, the agent whom called asked for  XXXX   XXXX  I told her the same information, " I am not  XXXX  and stop calling my phone '', she then said verbatim " I am NOT removing your number and we will keep calling you '', I told her that I would contact the police because at this point I felt like I am being harassed, she then said " you are so ignorant, they wont do anything ''. I asked for her name she hung up. I called back and was told the person I was speaking to was  XXXX   XXXX  and her  manager  was  XXXX   XXXX , apparently the both were not available. I asked for the number for the corporate office I was given a  XXXX , this number is the same number that they have called from but its toll free. These calls are continuous and this company obviously does n't want to stop calling. I want to know the steps to file a small claims suit for violating the FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have reached out to several financial institutions who have told me they are unable to identify reasons for credit inquiries however they also advise me that only the credit bureaus can remove the inquiries. As follow up I have disputed the inquiries with the credit bureaus with no success in having the unknown inquiries removed.

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 2021-12-27
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have reached out to several financial institutions who have told me they are unable to identify reasons for credit inquiries however they also advise me that only the credit bureaus can remove the inquiries. As follow up I have disputed the inquiries with the credit bureaus with no success in having the unknown inquiries removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: Experian Information Solutions Inc.
State: NJ
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:
My problem is with Experian. They continue to list a closed account ( which I have been making regular payments on ) as part of my revolving credit card debt. Because they only list the amount of this account as a debt, but not as available credit, it makes my ratio of debt to available credit look way too high. I brought this issue up with all three credit reporting agencies.  XXXX  and  XXXX  fixed it. Despite numerous times trying to get Experian to fix the problem it is still there. That means I have scores in the  XXXX  with the other  XXXX  agencies and a score of  XXXX  with Experian. I would like help making them understand that this closed account is not a part of my revolving credit debt. Thanks.

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 2021-12-27
Company: Google Compare Credit Cards Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Called XXXX  trying to transfer two google play gift card worth {$200.00}. The the rep said that I need to buy another {$1000.00} in order to complete the transfer. Then I realized it is a scam and ask the rep to refund the transfer, then they immediately disconnect the call. The phone number was XXXX. I am a victim of the scam please help. Called google play but customer rep wont help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: Collection Bureau of America Ltd.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I sent a cease and desist letter to the collection agency,  Collection Bureau of America,  asking them to stop all efforts to collect debt on behalf of  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . However, on  X/X/17   , I got notice that a new collection account was on my credit reports with  XXXX  and   XXXX   and saw that those entries were from this collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Chase contacted me by letter asking me to call a number I had never seen before to avoid having my account closed, which seemed suspicious to me. I called the number on the back of my card instead and was connected to several different people who spoke English poorly and were difficult to understand. None of them would properly identify themselves. I called  Chase executive  office and spoke to person who told me my account had already been closed. I asked her explain why and she said she would have to open a case and have someone get back in touch with me. She told me I would hear back from someone within 24 hours. I logged into my account on line and had a notice indicating I needed to contact Chase by   XXXX   XXXX   to avoid having my account closed ( the initial letter said I needed to contact them by   XXXX   XXXX   ) and that there was a secure message available that would explain. There was no secure message available. I called the executive office 2 days after the first time since they had not contacted me within  24  hours as they had promised. The woman I spoke with informed me they would record my call, but refused me permission when I indicated I also wanted to record the call. She was able to find that a case had been opened but had no information in it, including which account I was contacting them about. She transferred me to a "  specialist  '' who did not have any information to give me and said I had been informed wrong about when to expect a response - that I should have been told  24 - 48  " business hours '', which she explained was actually  3 - 6  business days. She put me on hold numerous times, then told me she would get back to me after she researched the case and would not give me any idea as to how long that would take. At this point I have no idea as to whether my account is open or why they would want to close it. It is not in any way delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
They reinserted all the previously disputed inquiries that were deleted, and put it all back on my credit report impacting my ability to obtain credit.

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 2015-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I checked my credit score on CreditKarma.com and it says that I have a derogatory mark on my credit from verizon for XXXX in XX/XX/2013. This is my XXXX time checking my credit in a while. I have never had a verizon account nor do I owe anyone 2400 dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: LendKey Technologies, Inc.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My problem concerns Lendkey Technologies , Inc. ( Lendkey ), and their " next business day '' payment processing policy for student loan borrowers. Lendkey allows borrowers to make a direct payment only on the XXXX of each month, which is also the day the payment is due. However, if the XXXX falls on a weekend or holiday, Lendkey processes the payment on the next available business day. This oftentimes lengthens the billing cycle by 1-3 days. Interest continues to accrue during the extra days, resulting in higher payments over the life of the loan for the borrower. 

This practice is unfair and deceptive. If Lendkey legitimately can not process payment on a weekend or holiday, then Lendkey should either 1 ) allow borrowers to make a direct payment on a date preceding the weekend or holiday, and/or 2 ) discount the interest that accrued on the loan during the extra days. Lendkey requires borrowers to make payment by the XXXX and threatens the borrowers with late fees if payment is not timely received. Yet, Lendkey apparently lacks the capacity to consistently process the payment by the due date. Lendkey 's inability to timely process payments should not result in a benefit for Lendkey at the expense of its borrowers. 

Lendkey may argue that the borrower breaks even because a lengthened billing cycle in Month A will equally reduce the length of the billing cycle in Month B. However, the balance of the loan and the interest per day will always be lower in the subsequent billing period because the borrower made a payment the previous month. Therefore, the money lost due to interest accrued during the weekend or holiday in Month A will always be greater than the money gained due to the shortened period in Month B. 

Accordingly, Lendkey should be made to revise its payment processing policy and reimburse the extra interest to the borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: Nationwide Debt Management Solutions, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received repeated phone calls from  Nationwide Debt. My mother was called and contacted me. They threatened to contact me at work. I called Nationwide to understand the nature of the call and was informed that I owe a debt. I did not recognize the debt  yet they had personal information that I did not share with them. I tried to relay to the representative that I wanted proof of the debt. The representative was rude and condescending with me so I discontinued the call. I was later called on my job by  XXXX   XXXX  to resolve this matter.  It is one thing to contact me through family members and my cell phone and it is completely egregious to call me a t work.   My company does not condone the use of their phone for personal matters. If I broke company policy that would put my livelihood in jeopardy. I have a problem with this approach. It is my desire to never have them contact me again at work or any other number that I have not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: CITIBANK, N.A.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
* Dates are estimated* In  XXXX   XXXX  I made an arrangement with   XXXX   XXXX   to pay {$2400.00} as a settlement for my Home Depot  ( Citi Bank ) credit   card.   I made  three  payment of {$400.00}.  XXXX  -  XXXX . In  XXXX  there was some confusion. My bank returned the original check but  XXXX  made a second attempt ( redeposit ) that the bank cleared. I made a total of {$1600.00} of payments.     In  XXXX   XXXX  the ACH did n't show up automatically so I tried to make a payment by phone. I was to ld Citi Ba nk had pulled the account back and they could no longer accept payments.     In  XXXX   XXXX  I was contacted by  XXXX   XXXX  and told the settlement offer of {$2400.00} would be honored but they did n't have any record of previous payments. I contacte d Citi Ba nk but never received any additional information or closure. I also made calls to  XXXX   XXXX  who said all files were sent back to  Citi B ank.     In  XXXX   XXXX  I contacted both  XXXX   XXXX  and  Citi  Bank.  XXXX   XXXX  is asking for a settlement amount of no less than {$5000.00} - greater than the original balance . Citi sa id the payments I made to  XXXX  were not applied to my account and can not verify the settlement agreement.     I have been going back and forth w ith Citi Ba nk and  XXXX   XXXX  since  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 explanation
Consumer complaint received 2016-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Today I received in the XXXX Mail my " TransUnion '' credit report dated " XXXX/XXXX/2016. '' Under the section entitled " Addresses Reported '' it has currently living at : " XXXX XXXX XXXX ; XXXX, CA ; XXXX. '' I am the victim of Identity Theft. I had previously called " TransUnion '' to ask them to please " Delete '' this fake " XXXX XXXX XXXX ; XXXX, CA ; XXXX '' off from my " TransUnion '' credit file and they wanted to " pay them '' first to do so! I have lived in XXXX, California for the XXXX consecutive years. I do n't even know " XXXX, California '' is even located at.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-10
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
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:
After I received the bill, I call the customer service on  XXXX   XXXX  to pay bill over the phone. I gave the agent my banking account info and he confirmed that that payment will be process immediately and there will be no late fee. A month later I have noticed they reported 30 days late to the credit bureau. I called Fifth Third bank and they said they will investigate but few days later I received a called and they told me I never gave them the banking info during my call. I have made notes as I made the payment over the phone on a check.

Company response to consumer: Closed with explanation