BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-08
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I am writing in regards to a fraud claim with Chase Bank, which I have tried to get resolved with Chase since XXXX XXXX with no success, which is the purpose for this complaint. For reference my case number with the bank is : XXXX noticed that since XXXX I have been receiving a recurrent charge in my account for cash withdrawals that I never made nor used, beginning in XXXX/XXXX/XXXX through XXXX/XXXX/XXXX. In none of the billing statements I received however beginning in XXXX, no cash withdrawals appear, nor on what date those withdrawals were made, or who made those withdrawals and where. I have the original account statements I received during that time and no withdrawals appear. I would like to clarify and emphasize that I did NOT make those withdrawals, do not know where those withdrawals were made, and on what days specifically they were made. I can only assume based on the information I have gathered that this may be a case of fraud or an error in the system of the bank. To this current date, I am paying interests on cash withdrawals I never made from XXXX up until present date. I am being charged a total sum of : {$2300.00} on cash withdrawals. I 've contacted Chase through various methods including notarized letters with my account statements and phone calls, to which my claim did not get resolved. When I sent the last letter in XXXX, Chase Bank sent a letter informing me that I requested for my bank to be closed and that my bank account had been closed and the outstanding balance needed to paid. To clarify, I never requested for my bank account to be closed in any of the letters I sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
So today XX/XX/XXXX receivables performance put a collection on my credit report saying the original creditor is XXXX XXXX which when looked up its a collection agency for a XXXX car I never had a XXXX car I have one car which I paid through XXXX XXXXXXXX I disputed with XXXX but how can this company put anything on my name and not send anything thru the mail stating I owe them or I can dispute because I dont have or never had a XXXX car

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: Experian Information Solutions Inc.
State: NV
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 was aware of this fraud account on my credit XX/XX/2019. I am not aware of where it came from or who used my information. Since XX/XX/2019, I have been trying to get this account removed off of my 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 2020-03-20
Company: Allegiance Accounting Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
They call my Dad 's phone and I just happen to be there when they call. They said that Account with The XXXX XXXX was placed with Allegiance Accounting Service LLC. obligation to satisfy my delinquent credit account that i was paying on already but I was paying a different company [ XXXX XXXX XXXX ] and I  thought that company just sold the account like they do all the time. They also told me that XXXX XXXX was suing me if i don't take care of this right now and they are willing to take a settlement right now so I did just that I payed them a down payment of XXXX on XX/XX/2020 then a payment of XXXX on XX/XX/2020. Then after that they never report it or pay the account off so I started looking in to it and now I find out it was A Scam!

Company response to consumer: Untimely response
Consumer complaint received 2016-10-02
Company: Paypal Holdings, Inc
State: IN
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Managing, opening, or closing account

Complaint:
On XXXX XXXX, 2016, Paypal closed my account without any valid reason. The following message is displayed right after I logged into my Paypal account : ***** We recently noticed an issue with your account. To see what you can and ca n't do while your account is limited, go to the Resolution Center. 
Why is my account access limited? 
Your account access has been limited for the following reason ( s ) : XXXX XXXX, 2016 : We need a little bit more information about some money you recently received or withdrew. 
( Your case ID for this reason is XXXX. ) This limitation can not be appealed. 
***** The recent money Paypal indicated in this message, which I received, were around {$100.00} from cashback portal websites like XXXX, XXXX etc, and every single cent is traceable by its transaction name and source. I did withdraw them to my own checking account, however, I do not think it violated any Paypal 's policy or national laws after I carefully read Paypal 's terms and conditions and related regulations. 
Paypal closed my account with such groundless excuse and refused to further review my account, I tried to call in and email them via messages, explained everything patiently, but all I got were nothing but templates. 
Because of Paypal 's closure of my account, all of my eBay gift cards that are linked to Paypal are unusable. Even after calling in or emailing, Paypal still refused to unlink my eBay gift cards or return my money. 
I talked with eBay and they asked me to refer to Paypal for this issue, and I think eBay is right since it is Paypal that holds my money. 
Paypal has been doing this kind of illegal holding of one 's money all the time and I think it should be brought to attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: The CBE Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
About three weeks ago, I received a letter from The CBE Group , Inc, who is collecting for XXXX XXXX XXXX XXXX. XXXX XXXX sent this debt to a debt collection company. This cell phone company claims I owe over {$1000.00} from XX/XX/XXXX. I was never aware of such activity up until recently. Keep in mind in the Spring of XXXX, I have disputed and resolved different attempted charges with XXXX XXXX ' fraud department due to fraudulent activity. I have reason to believe this matter is also a result of identity theft. Also, my name is not XXXX ; I know the debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX App Has The Wrong Social security XXXX IRA Has Account Has The Wrong Social Security Number On It I Am Unable To See My Credit Score For XXXX XXXX XXXX XXXX I Know My Phone And My Data On My Phone Is Being Messed With Someone Is Hacking All My Accounts My email account XXXX was exposed to something called the Dark Web please Tell Me What to Do also the credit people keeps on getting my information mixed up with my brothers

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 2022-10-14
Company: Capstone Credit & Collection, LLC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Act 15 U.S.C 1692 Capestone Credit & Collec has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1692 section 805 A. States that a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place known or which should be known to be inconvenient to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

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 2016-09-05
Company: Navient Solutions, LLC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XXXX/XXXX/2016, I received a voicemail message from a XXXX at XXXX. She did not state the company name. She stated this message is for XXXX XXXX and she was calling in regards to a XXXX XXXX and requested I call her back with the reference # XXXX. After Googling the phone number I found many complaints and the phone number belonged to the above named company, which is a Debt Collector. I returned the call. Someone answered, but he did no identify in the company 's name. I asked the name of the company and it was given. I provided my name and the reference #. Then I asked what type of company was XXXX XXXX. He replied we handle personal business matters. He told me he would transfer me to XXXX. Before the transfer, he asked if we become disconnected could he call me back. I replied, NO. I was transferred and the woman stated they have been unsuccessful in contacting XXXX XXXX and wanted me to provide his personal info. I asked why and she stated they are not allowed to provide that info. I stated I do know XXXX XXXX and can not provide his personal info without knowing why. I replied send him a letter. She stated we have done that. I replied no you have not and hung. I find it odd that this company has my phone number ( which I have had for only a few years ) and they do not have his phone number ( which he has had for almost ten years. We have never done business with this company and we do not have any outstanding debts that would be transferred to them. I am concerned this is a SCAM.

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 2017-01-10
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
To whom it may concern, My situation, like so many others, seems hopeless and endless in dealing with Navient Student Loan company. Over the years, I have attempted to repay student loan debt only to find myself with more fines, more interest, and rising monthly payments beyond my ability to meet. I finally in desperation contacted the student loan ombudsman group who helped me in determining that Navient had arbitrarily doubled my student loan debt through a fraudulent student loan consolidation program. Upon attempting to resolve this issue with Navient, I have been met with outrageous bills, increasing interest and penalties, and gotten no further in attempting to resolve the issue. My credit has been destroyed, and financially I survive month to month. I am a XXXX American with XXXX ; I work as hard as I can, do not receive XXXX benefits from the federal government, and contribute at the level I am able given my limitations. I need advocacy in order to financially survive and find some way to escape the unethical and abusive practices of the student loan company, Navient. I hopee that you would please help me in my pursuit to become debt free and feel like I can live a normal life without the threat of financial ruin day to day. Can you help me? 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: Block, Inc.
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
Afterpay froze my account and is asking for a bank statement and photo ID sent to them. That's fine, I get it. The problem is that they're demanding this information via email attachment. Their email domain isn't secure. Their back-end code is not secure. I believe it also is sent to overseas customer service centers. There is no information on where this data is stored, how it's stored, who is storing it, who has access, etc. They have no digital privacy statement. Just attach and email. It's unusual and concerning. I'm refusing to do it, but I know most people probably comply. They need to have a statement on what their digital privacy consists of. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
So there was over XXXX $ and then XXXX the second time while I was trying to secure my account with bank of America prepaid claims department. 
Claim status. XXXX and XXXX they were from back in the months of XXXX and 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 2015-12-05
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I deposited a check for {$19000.00} in my Regions checking account. The bank put a hold on that amount. Then the subsequently put another hold on my account for the same amount. This resulted in completely draining my bank account. My current balance is now - {$15000.00}. I went to the branch that put the hold on the check and they tell me that fraud prevention put the hold on the check. I asked them to explain how they can put two holds on same check and take money they did not give me out if my account. Their response - come back on Monday. Fraud prevention is closed and there is nothing we can do. So I can not even buy food because they are incompetent. The customer service representative refused to escalate or do anything. So we XXXX up and took all of your money and we are n't going to do anything until next week because its inconvenient. How can they put two holds on the same check and take money out of my account when they never gave me any money?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
got a student loan XX/XX/XXXX never graduated but XXXX sent certificate anyway the loan was for XXXX moved around a lot but finally tracked down. i paid when i could and when i could not they snatched my and my husbands federal and state taxes which totaled over XXXX dollars.then XXXX sold the contract to navient and i still owe XXXX dollares now navient is going to garnish my wages again thank you for any help you can give me XXXX. XXXX. the school was computer processing institute in XXXX ct.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12
Company: M&T BANK CORPORATION
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
M & T Bank, which acquired my mortgage from XXXX XXXX XXXX, will not decrease my monthly mortgage payments despite my on-time, correct-amount payments. I called the company to complain and its representatives could not coherently explain to me why my mortgage payments do not drop every month as payments did when mortgage holder was XXXX. Property in question is condo at XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX. My name is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: CBC Companies, Inc.
State: OH
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, XXXX, FACTUAL DATA add a hard inquiry on my credit reports. 
On XXXX XXXX, XXXX, XX/XX/XXXX and XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX  add a hard inquiry on my credit reports. 
On XXXX XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17
Company: EOS Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
These people have been calling for about 10 years looking for a XXXX XXXX, y name is XXXX and I do not know a XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is one of my numerous attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$1600.00} Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: EQUIFAX, INC.
State: FL
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:
In accordance with the Fair Credit Reporting Act XXXXXXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
This is in response to an earlier complaint ( Case number : XXXX ) that is still not fully satisfied. Citibank continues to send my mail to the wrong address, despite several phone calls and the previous official complaint. How many times do I have to try to get them to make this one simple change? Further, Citibank seems to be unwilling to explain to me how a person can activate a stolen credit card without my knowledge or permission, as requested in my previous 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 explanation