BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-22
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
It had taken me more than 20 letters and over 30 phone calls for this dispute of {$3700.00} with Chase. Merchant had a return policy of a full refund, and the return receipt stated as full refund, but the merchant only refunded me partially, so that there are still {$3700.00} was not refunded by the merchant. <P/>I had opened this dispute within 60 days of the bank required dispute window, and had provided all the necessary documents and had talked over 4 supervisors ; however, the personal who worked on this case kept confused with some facts : gift card is not USD dollar to dollar, some same amount before the return was not part of the return ... <P/>I kept telling Chase that {$3700.00} on my credit card on XXXX XXXX XXXX was not part of the refund to the return of the earring On XXXX XXXX XXXX. After discussion with XXXX, an account supervisor in dispute department, the dispute department had acknowledged that a mistake had been made to think this {$3700.00} on my credit card on XXXX XXXX XXXX as part of the refund I could not get a return refund without returning it later, right? This is another proof that this {$3700.00} was not part of the refund, so that XXXX XXXX still owes me {$3700.00} for a full refund indicated on its return receipt, provided. <P/>Since this dispute was submitted on time and all the proof/documents have been provided, it depends on Chase to fix up its mistake and chase my not-refunded money back to finish its fiduciary duty to a long term client. <P/>It is really a simple case : Under the federal law and the merchant 's return policy, I shall get a check of {$27000.00}, however, the merchant refunded back to my credit card of {$24000.00} only. Chase told me that they would n't enforce law on the merchant, but I had called no less than 30 times and wrote via Secure Message Center no less than 20 times to indicate that I want to continue dispute this case. And the Supervisor XXXX had kept this case open within 24 hours. Since then, this dispute had been dragged on for half a year. It 's time to chase the remaining portion back, {$3700.00}. <P/>Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: ProCollect, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was informed by a collection company, Procollect , Inc, that I need to pay a debt of {$1900.00} for an apartment listed below : Apartment name : 09 XXXX  XXXX XXXX  XXXX  Apartment address : XXXX XXXX XXXX, XXXX, IA XXXX Management company : XXXX  XXXX  & XXXX, XXXX I do not own this apartment for any money. It is absolutely a mistake that may be caused by an identification information breach. Please remove the collection from my credit report at your earliest convenience.

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 2017-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Transferred the balance of a capital one account that was delinquent in late  XXXX  to early  XXXX . The account was up to date in mid  XXXX , account balance of  XXXX  was transferred in  XXXX   XXXX ,  XXXX  to a lower interest account that was opened with a local credit union. The new  XXXX   XXXX  account that was opened on  XXXX / XXXX / XXXX  has never been past due and I have always payed  XXXX , almost double the minimum payment (  XXXX  ) The balance has been current for over a year and no longer is there any delinquent accounts opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Hi, I am trying to get money from  XXXX  and my bank chase is not sending over my info quick info and now I ca n't get the money I need. Please send over my info.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My dispute is with Barclays Bank of Delaware In XXXX / XX/XX/2022 two fraudulent credit cards were opened using my social security number - one for XXXX XXXXXXXX and one for Frontier Airlines. 

When these new accounts appeared on my credit report, I phoned Barclays on or around XX/XX/2022 and reported the fraudulent activity. 

The security department stated they were closing the accounts and sending the information to be investigated and I would receive a call or letter with the result. 

To date, I have not heard back from Barclays on that investigation. 

On or around XX/XX/2022 Barclays reported a delinquent account which resulted in a XXXX point drop to my credit score. 

I called Barclays today, XX/XX/2022 to remediate this issue. I was passed to five separate representatives who stated they were unable to find my information in their systems using my name and last 4 of my SSN. 

I was finally transferred to the security department. The representative found my accounts and stated that the XXXX XXXX one has been closed, but no fraud reported internally and no investigation was done. She stated the Frontier Airlines card was still active with an {$89.00} balance- which is the charge for the annual fee. 

She stated there was nothing she could do to help me with the false delinquent report to the credit bureaus and that she was closing the Frontier Airlines account and I would hear back by mail or phone on the result of the fraud investigation. 

The false information remains on my credit report and Barclays was unable to provide a timely resolution. I have no faith I will hear from them regarding an investigation.

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 2017-06-22
Company: WELLS FARGO & COMPANY
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising

Complaint:
I submitted an end of lease buyout form online from Wells Fargo in order to purchase my lease. It was said that I was approved and gave me my interest rates and payments based off m y credit score they ran and my information As I chose the one I wanted, I waited to hear from the company to finalize the loan that I was approved for.   When I received the call, I was told I was now denied.

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 2017-06-22
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I put in a report to the bank that my wallet was lost and that the funds from my bank account was taken put in a report and i was told it would take up to 10 days for them to do their investigation before they could give me a credit on my account. Not taken to account that i have bills that need to be paid. I was told by a bank person that they never refund any money to anyone that this happens to the banks name is TD bank and that i can just kiss my money good by I AM REPORTING THIS BANK BECAUSE WHEN I OPEN THIS ACCOUNT I WAS TOLD I WAS PROTECTED AGAINST FRAUD 100 PERCENT this is not the case XXXX WAS TAKEN FROM MY ACCOUNT. I do not know what to do at this point. I need your help on helping me get my money back the account number is XXXX XXXX XXXX XXXX XXXX XXXX  Again I spoke to the bank and i have gotten no where. I do not think is fairfor the bank to tell me that I THERE NOTHING CAN DO ABOUT THIS AND THAT my hard earned money is gone. Please help me in this matter ... ... ....

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-22
Company: Santander Consumer USA Holdings Inc.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Complained to financing company about the vehicle being defective. Ca n't trade in the vehicle due to manufacturer defec t. Vehicle leaks gas and has electrical issues. As a consumer, I should n't have to continue pay for a Vehicle that has  issues. Especially when the customer has a defective product and has complained about it numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I share the same name as my father, and he's been using my information. How and why is an excellent question and has yet to be found.

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 2021-05-07
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I recently reviewed a copy of my Experian credit report on XX/XX/2021 and noticed an inquiry that was unauthorized, inaccurate, or made in error by US SM BUS ADMIN XXXX at XXXX XXXX XXXX XXXX XXXX, TX 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 2021-05-04
Company: EQUIFAX, INC.
State: IL
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:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: Social Finance, Inc.
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I refinanced my loan with Sofi through XXXX XXXX XXXX XXXX. Sofi cashed a check for {$27000.00} for payment of my loan in full on XX/XX/XXXX and has yet to apply the payment to my account. XXXX XXXX has an electronic copy of this check with the Sofi stamp on it, so it was most certainly cashed by Sofi on XX/XX/XXXX. Now I have two loans with payments due for the same {$27000.00} because Sofi has not updated my account to reflect the {$27000.00} payment. My account is officially past due today, although Sofi has received {$27000.00} for the balance. XXXX XXXX XXXX XXXX states they sent the following check : Check # XXXX Amount : {$27000.00} USPS Tracking Number : 940XXXX XXXX XXXX XXXX XXXX XXXX To : XXXX XXXX XXXX in XXXX Texas Again, the check was cashed by Sofi eight days ago. XXXX XXXX XXXX XXXX sent the check and then provided this information after I filed complaint # XXXX on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX XXXX  XXXX Transunion Suppression Request To Whom It May Concern : I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act. 
-XXXX XXXX XXXX XXXX- XXXX -Premier XXXX/XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX/XXXX- XXXX XXXX XXXX XXXX Supporting documents are enclosed with this letter. Please let me know if any additional information is needed. Furthermore, when you accept this request, please send the notifications required by the FCRA to all furnishers of the blocked information. 
Sincerely, XXXX XXXX XXXX Enclosed : A copy of my Identity Theft Report Copies of my drivers license and social security card ( to verify my identity and address ) A copy of section 605B of the Fair Credit Reporting Act Also, please note : * Please remove allnon-account holding inquiriesover 30 days old.

* Please add aPromotional Suppressionto my credit file.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify-through the physical verification of the origin
al signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to  positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed above. 

This is identity theft and I expect you all to protect me and follow the guideline of the laws accordingly.

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 2017-04-10
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In previous contact with our mortgage lender Beneficial/XXXX, we learned while attempting to Refinance to a lower rate with other lenders. This evidently put me in a tailspin with them because even after contact their CS Representatives and going through a series of questions name, address, ss #, loan #, date of birth, and any other question to verify my identity Beneficial still as of today wo n't give myself or County Recorder of Deeds, for the State of Missouri , County of XXXX, a lien release after they transferred then sold our mortgage paperwork to another XXXX. Whether they work with or are in each others pocket l ca n't seemingly get a square or complete response out of either that is similar or comparable to one another for example an accurate payoff of now our mortgage. A note to mention before selling off our mortgage paper work they did however raise my payments now XXXX dollars + each month, which the other lender has conflicting statements but also has kept the higher payment scale to base their findings for predatory lending practices just like predecessors. Those are their likenesses as being one of the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: JPMORGAN CHASE & CO.
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 belongs to someone else

Complaint:
This is XXXX XXXX who is submitting this CFPB complaint myself. Despite the multiple previous written requests, the JPMCB CARD accounts listed below still remain on my credit report in violation of Federal Law. The 3 Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. 

( JPMCB CARD XXXX, JPMCB CARD XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
For the XXXX account, first of all this doesn't belong to me. When I tried to resolve it with XXXX, and even offered to pay it off so that I would not owe a debt that " allegedly '' belongs to me, they refuse to even let me fix the issue! I shouldn't even have this account on my credit report! 
For the XXXX, they made the mistake for them reporting these lates on my account. I have tried to have them own up to it and fix them but the absolutely refuse to. The lates are seriously affecting 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 non-monetary relief
Consumer complaint received 2021-05-04
Company: Experian Information Solutions Inc.
State: TX
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:
Experian, XXXX, and XXXX  violated my consumer rights. See attached letter

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 2020-06-27
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed these aligations with this company for a few months now. I've went about the situation the correct and diligent way ( following the FCRA Federal regulations ) to no avail my request was STILL not honored by this company who goes by the name " ARS '' Account Resolution Services. I was sent bills claiming that I owed three medical bills. Seeing how I've always had insurance I know indeed this debt was not actually mines. So, I disputed this account with the three credit bureaus ( XXXX XXXX, XXXX, and XXXX. Which came back quote on quote verified ... So I then sent this company ARS a verification letter according to the FCRA ( Fair Credit Reporting Act ) they had to provide a signed contract by me ( which they NEVER did ... I even offered to settle this with this company if they could provide me ANY substantial proof that this debt is and was indeed mines! Moral of the story they NEVER provided me ANY type of proof showing me ANY contract showing that I've received services from the company in which they represent.

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 2021-09-24
Company: Essential Lending Inc
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is [ XXXX XXXX ], and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation