BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-26
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, a payment was made to me from XXXX XXXX from his son XXXX XXXX, for a service of receiving a discounted apple gift card ( from my associate discount ). On XX/XX/XXXX i received a call from a XXXX number stating it was someone from chase asking about a payment of {$200.00} i received XXXX. At the moment i was driving on the highway and explained i could not speak at the time because it was hard to pull over on the highway and told them to call me back. The women called back and left a message saying " Hi this is XXXX calling from Chase Bank this message is for XXXX XXXX, I'm calling in regards to the inquiry that we received it's important that we speak with you for your convenience we're available Monday through Friday XXXX to XXXX and then also on Saturday from XXXX to XXXX please return our call at XXXX option XXXX or to the chase customer service number. '' They never mentioned anything else, i called and was on the line for over 2 hours, when finally getting a supervisor on the line she told me my " ENTIRE '' account was Frozen due to XXXX XXXX reporting it was a fraud charge to my account for the {$200.00}. Chase Froze my account as they claim they were investigating although giving me limited details because they claim they had limited access. I am highly upset and disappointed as a Chase long time customer and a perfect standing customer! The sender received a service and then filed a claim back on account to get their money, no one ever even spoke to me to get any details, then suggested i contact the sender to get my money back ( does that sound rational or logical ). The attitude is they didn't care and never spoke to me, just took the word of someone filing a claim for a measly {$200.00}, when i keep thousands in my account which now i won't. On the XXXX i logged in to my account to see that Chase refunded the {$200.00} XXXX, again i was not even notified that this so called investigation was complete and again no one reached out to me but, in turn, i reached out to them, once again, they have little information to give me but took my money out my ACCOUNT WHILE ALSO FREEZING MY FUNDS WITHOUT SPEAKING TO ME, HIGHLY DISAPPOINTED AND WANT MY {$200.00} BACK.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
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:
" A_ _ _ _ _ a '' is an old debt on my credit file. I requested the three ( 3 ) credit bureaus delete this account from my credit file. XXXX  and XXXX  agreed and deleted the account. 

Experian will not delete this account from my credit file, even though Experian has a Fall Off date of XX/XX/2020. 

I am currently applying for a loan and Time is of the Essence. I need for Experian to Delete this account from my credit file. I see no reason why Experian would not accommodate me and delete this file per my request, especially since this account is to be deleted XX/XX/2020 per Experian 's report. 

Your help will be very much appreciated, as my direct request to Experian has not been successful. 

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 2022-04-25
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: Personal information incorrect

Complaint:
In accordance with the Fair Credit Reporting act XXXX Transunion XXXX has violated my rights as a consumer 15 U.S.C 1681 Section 602 A States that I have right to privacy 15 USC 1681 Section 604 A section2 : It also states that a consumer reporting agency can not furnish an account without my permission. 

The only Address that should be associated with my credit report XXXX XXXX XXXX XXXX, TX XXXX The incorrect address are XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-08-07
Company: Conduent Incorporated
State: OK
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:
This is a card issued by the Oklahoma Employment Security Commission ( the Way2Go MasterCard ) for pandemic benefits. I tried to make a transfer to my bank account today and was locked out of my account. I have made these transfers in the past. I called the number, was kicked off the hold queue the first time, called back, and was on hold for about an hour. When the person answered, we could not understand each other because they barely understood or spoke English ( I had pressed " 1 '' for English ). They asked for my full Social Security Number, not just the last four digits. When I expressed discomfort with sharing that information, I was informed that they could not help me, so I reluctantly gave it. Then, I was asked for all my other information ( address, date of birth, etc. ) Even after all that, I was informed that they could not help me because of Covid-19. They kept repeating it was because of Covid-19. This was a wholly unsatisfactory resolution, but my larger concern is that this person now has all my personal information and my Social Security Number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
FRIDAY XX/XX/2020. TRIED TO LINK CHECKING TO XXXX XXXX AND PNC WON'T ALLOW. XXXX SENT ME THIS LINK

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17
Company: LAKEVIEW LOAN SERVICING, LLC
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Original mortgage through XXXX XXXX Mortgage XXXX. 
Received a NOTICE OF SERVICING TRANSFER on XXXX informing me that the right to collect mortgage payments was being transferred to Lakeview Loan Servicing, LLC XXXX XXXX, XXXX effective XXXX XXXX, 2015. 
I called and spoke with XXXX XXXX Mortgage during the last week of XXXX to verify that they would not be automatically taking the mortgage payment out ( since I had automatic payment with them ) for the XXXX payment and instead to issue payment to Lakeview Loan Servicing. 
To date, I have not received any written or typed communication from Lakeview. The first communication I did receive was a single phone call at night on Tuesday, XXXX XXXX, 2015 at XXXX, and that was just an automated message telling me to call back the same XXXX number the automated message was calling me from, but during business hours. 
I have called back that XXXX number twice now, XXXX times traversing their automated-menu to try to reach a customer service agent, and XXXX times the system hanging up on me before connecting me to a customer service agent. The automated message also gave me a website to use ( XXXX ), however I am unable to use this website unless I have a Loan Number, which I have not been provided. ( I only have the original Plaza Home Mortgage Loan Number, which is not valid within Lakeview 's system ) On the original NOTICE OF SERVICING TRANSFER received from XXXX XXXX Mortgage, there was an address and different XXXX provided. I have called this number twice as well attempting to contact someone, and both times, get hung up on by the automated system before actually connecting with a person. 
On XXXX XXXX it 's listed that " your new servicer must deliver a transfer notice not more than 15 days after the effective transfer date. '' - This has not happened yet. I have had ZERO communication with Lakeview besides automated systems. 
I understand that on http : XXXX it lists that there is a 60 day grace that they can not charge me for a late fee or treat the payment as late, however I do not trust this new company at all given their astonishingly poor handling of the transfer so far.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-05-25
Company: IQOR US INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been called repeatedly by Allied Interstate LLC at my phone number as they are searching for someone named who is not me. I am not the person they seek, and they have been informed of this, yet they continue to harass me.

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 2020-08-07
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: Information belongs to someone else

Complaint:
I sent in a dispute letter asking to send me a contract with my signature that they used to verify accounts that have been posted on my account or delete the accounts off of my report that has not been verified, and the company has not complied with my request, I have sent this letter to them 31 days ago and I have not heard anything from the company, they have ignored my request.

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 2020-08-07
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: Information belongs to someone else

Complaint:
I sent in a dispute letter asking to send me a contract with my signature that they used to verify accounts that have been posted on my account or delete the accounts off of my report that has not been verified, and the company has not complied with my request, I have sent this letter to them 31 days ago and I have not heard anything from the company, they have ignored my request.

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 2020-01-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I purchased a plane ticket from XXXX  XXXX XXXX XXXX to XXXX, XXXX XXXX on XX/XX/2019 from XXXX XXXX for {$2000.00}. 
When I got my credit card bill from Bank of America, I found out I was charged a Foreign Transaction Fee of {$60.00} by Bank of America. 
The transaction was made from here, in dollars and on the Airlines US website. I have purchased flight tickets with Bank of America credit card many times through XXXX, XXXX XXXX and was never charged a fee. I call Bank of America, talked to 3 different people and they refuse to take it 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
Consumer complaint received 2016-02-16
Company: National Principal Group, LLC
State: OK
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I have no idea what payday loan they claim I have defaulted on and they keep calling me, my work and people I know using a recording saying they are searching for my whereabouts and its legal for them to call all contacts on file to find me, Press XXXX to talk to an operator or call XXXX regardless if I have information or not. They call around 5 times a day. I 've spoke with a lady XXXX time and they have personal information that does n't match the time frame they 're claiming this happened and she told me they have me on breach of contract and fraud. I requested copies of the original information and they emailed me XXXX letters with their letter head that say nothing more than what they told me on the phone. I asked if they had a fraud department and she told me since they have all of my information it 's not fraud and I 'm responsible for paying them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: EQUIFAX, INC.
State: TN
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:
I call equifax send them my FTC report due to some accounts and nothing has been done

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: National Credit Systems,Inc.
State: TX
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:
Upon pulling my own credit report, I found out that I had an account in collections with National Credit Systems from a previous apartment complex. Upon contacting them, they were given no contact information at all to attempt to contact me. No phone numbers, no address, no reference phone numbers. Also no attempt was made by them to retrieve this information from the apartment, yet I am being told that this item can not be removed from my report because they made every attempt to contact me. What attempt was made? I contacted them as soon as I found out yet I am being penalized for their poor attempt at collections? I would like this issue addressed.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04
Company: Freedom Mortgage Company
State: MD
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Freedom Mortgage sent me a check for an escrow overage of ~ {$400.00} in XXXX. In XXXX, they told me my escrow account was short {$190.00} and I had to send them that immediately, but my payment would also be increasing to cover larger escrow in the future. Why did n't they calculate future escrow at the time of the refund, keep the money and keep my payment the same?

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 2022-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
I was a victim of Identity Theft. On XX/XX/2021 I have submitted my Federal Trade Commission Report to all three major bureaus ( XXXX, Transunion, XXXX ) to further confirm my status as a Victim of Identity Theft that was caused due to the XXXX DATA BREACH. 
This has caused a lot of headaches to my livelihood and not being able to properly use my credit when needed. I have been denied access to loans, credit, mortgages as a result of this.

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 2020-08-07
Company: EQUIFAX, INC.
State: AR
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 found out my identity had been compromised because my wallet was stolen from the movie theater. I did not take the proper measures afterward. I just got a duplicate drivers license and a copy of my social security. Several years later I am receiving letters after letters of several unpaid accounts that I have never open. I then started to investigate and pulled my credit to check what all had been open. There are way too many fraudulent accounts open that I am near familiar with. These accounts are not mine. Please remove them. XXXX {$590.00} XXXX {$18000.00} XXXX {$11000.00} XXXX XXXX {$79.00} XXXX XXXX XXXX {$290.00} XXXX  XXXX {$1400.00} XXXX XXXX XXXX   XXXX {$2100.00} XXXX XXXX {$560.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
On XX/XX/2017 I received a notice from FIFTH THIRD BANK of an account overdraft. I was quite surprised because to the best of my knowledge all of the accounts I had at one time there had been closed and I have not received any communication ( either electronic, phone or post ) from them in the intervening YEARS until this notice. I went into the bank to discover that there were XXXX accounts ; XXXX checking for my then minor daughter who is now XXXX years old and XXXX savings account for her. When I sought to close the accounts I was told I had to make a deposit to each account to reactivate them before I closed them, and then come back. I did that. When I returned I discovered that the bank had been debiting XXXX accounts $ XXXX/month for at least two years -- maybe more, they would n't show me the records and I have no records of my own since I had closed the accounts ( or so I thought ). I asked for a refund of all the fees since I was never informed that ( 1 ) I still had XXXX accounts open ( 2 ) they were being charged monthly -- which would substantiate the fact that I did n't know they were still considered " open ''. The bank manager wrote his regional supervisor who approved refunding only $ XXXX/account, and yet I know that the accounts were charged in excess of $ XXXX/each, I do n't know the exact amount because I do n't know at what point they deemed them dormant and started charging the accounts. The savings account was my daughter 's birthday money, I thought at the time she could save it and perhaps make a little interest, as I did as a child. It never occurred to me that they could take her money away bit by bit. As it stands, I have no clear idea how much money was in the accounts before, and therefore I have no idea how much they actually owe my daughter/me beyond the remaining {$460.00} in the savings, they cleaned out the $ XXXX+ that was in the checking which is what triggered the overdraft letter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-07
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have not received any notification of this medical debt. I just appeared on my credit profile. According the the FDCPA, I have to have received notice and an opportunity to dispute account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28
Company: National Credit Systems,Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt is not valid. The information is inaccurate. They are trying to charge me for things that did not even exist. They said I owe XXXX but in cost to repair it says XXXX dollars. Then when I ask for explanation of charges they send me a maintenance price list in which half of the items are not even on the move out sheet. This has cost my family to be homeless among many other things.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
After applying for a Chase XXXX XXXX Visa Credit Card advertised with no annual fee for the 1st year plus XXXX XXXX XXXX on XX/XX/2020 at Chase.com, I was surprised to see a annual fee charge for {$49.00} on my Chase XXXX XXXX Visa. The annual fee for {$49.00} was not supposed to be charged for the first year per the Chase pricing and terms. We have been good customers of Chase Bank and have the Chase Freedom and Chase XXXX cards. We spoke to Ms. XXXX XXXX, Personal banker at Chase in XXXX and she said the problem was escalated to the Credit Card Consumer Service Division with Chase per her conversation with that department. We talked with several XXXX Customer Service Reps including XXXX and XXXX XXXX and they did not understand why we were charged the {$49.00} annual fee the first year since it was advertised as {$0.00} annual fee for the first year. We were told the credit card was managed by Chase Bank so the problem couldn't be handled through XXXX. We have enjoyed a good relationship with Chase bank but are very frustrated with this bait and switch advertising for the Chase XXXX XXXX XXXX. If this is happening to us, chances are it is happening to others. See the terms and conditions for the Chase XXXX XXXX Visa at Chase.com and also the promotion at the XXXX App.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-01
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Synchrony Bank has XXXX derogatory accounts listed on my credit report via JC Penny and Walmart. Both accounts have remarks that state " paid after charge off to XXXX party collections. '' I called synchrony to establish a date of deletion and they informed me that they do not have any accounts details such as account number and date of deletion. It is my understanding that they ca n't report negative information to the credit bureaus if they do not have enough information to validate the account.

Company response to consumer: Closed with explanation