BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-17
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I am writing in reference to Chase bank. They called me a few years ago back in XX/XX/XXXX, stating I owe them for a credit card that was not in collections. I informed them I never had a credit card with them or any credit cards that I have not paid. I requested a copy of the contract and the bill of transaction, additionally I requested an investigation of fraud be opened. I hired a company last year to help me restore my credit. We have sent several letters for the past year requesting they remove this from my file because its not my account. XX/XX/XXXX, I spoke to XXXX XXXX from the investigation department stating that they are claiming this debt " valid ''. I requested again a copy of the contract and the bill of the purchases. I was driving and informed XXXX XXXX to please send me her contact information. XXXX XXXX stated she would enclose this with a copy of the contract. Saturday, XX/XX/XXXX, I received XXXX letter in a chase envelope, it was a copy of the contract, but no letter from Chase with XXXX contact information. This application appears to be fraudulent, several things are incorrect such as, spelling of my name, my date of birth, no property zip code, incorrect annual household income which states " XXXX '', no length of employment, incorrect mother 's maiden name, no email address, incorrect employer information, and printed incorrect name for a signature. We have tried to get them to remove this information for years. This negative rating has affected me by increased insurance premiums, higher credit card interest rates, denial of opportunities, credit, loans, and programs. I am requesting they immediately correct this information and also restitution be paid for this experience for the past several years. Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
My grandmother opened a cc account with Bank of America. I was added as an authorized user. The next day they put a fraud alert on the account. We both went into the bank on XXXX and they advised us that the alert was taken off. XXXX the alert was placed back on the card so again, I had to drag my grandmother back to bank and again they told us it was removed. I call the bank on XXXX and they refuse to speak to us or give any information besides telling us to go into a branch again. The card is needed to help pay for home repairs that have already been started on and now we have no means to pay bc the card access is on hold. I do think it is due to discrimination bc of my grandmothers age even though she has no medical issues and is in her right mind & has answered all questions they have asked.

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 2022-10-28
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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXXXXXX XXXX, XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL 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 2016-12-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Bank of America closed this account, and arbitrarily decided to keep {$4500.00} of mine. They claim the money orders deposited were 'not valid for deposit '. Bank of America WAS paid by XXXX for the money orders. The tracers from XXXX providing proof of payment are attached. Due to Bank of America not properly investigating my initial complaint ( XXXX ), I have now incurred an additional {$130.00} expense XXXX {$15.00} per money order x XXXX ) for XXXX to provide tracer data.

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 2016-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America has caused to be recorded NOD XX/XX/XXXX on a Trust Deed that first became delinquent XX/XX/XXXX. Bank of America has offered no explanation of the seven year delay in starting the foreclosure process with the recording of a NOD or for resting upon their laurels regarding exercising the right to foreclose. 
Bank of America has provided me with a payment history detailing a total of twenty-six regular payments and XXXX corresponding miscellaneous adjustments between XX/XX/XXXX through XX/XX/XXXX, reflecting monthly installments applied from XX/XX/XXXX to XX/XX/XXXX, for a net total of twenty-four regular monthly installments made, accepted, and applied to the home loan mortgage account under the terms of the XX/XX/XXXX Deed of Trust that is now in active foreclosure.

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 2016-01-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I have tried different ways to find a final solution for my mortgage problem. I paid a company that promised me a modification, they stole my money and nothing was done. When an organization name XXXX came to XXXX XXXX, I slept outside the buildings to be XXXX of the first ones and find a solution to my mortgage problem. I have expended hours on the phone with Chase Bank and nothing have happened. I was trying to save my home, I filed for bankruptcy on XXXX 2010, 5 months later I was granted a modification that have turn to be a nightmare, I am attaching the documents so you can see what Chase Bank is doing to me. They added a so called " silent second mortgage '' in the amount of {$170000.00}, The amount of the principal plus this silent second mortgage is {$530000.00}. This amount is more than the amount of principal before bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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. The list of inquires below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX account ending in XXXX the amount is XXXX they have violated my rights XXXX XXXX XXXX inquiry dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX they have violated my rights. 

XXXX XXXX  inquiry XX/XX/XXXX they have violated my rights. 

XXXX XXXX XXXX XXXX XXXX inquiry XX/XX/XXXX they have violated my rights. 

US SM Bus Admin ODA inquiry on XX/XX/XXXX and XX/XX/XXXX they have violated my rights. 

XXXX XXXX XXXX inquiry XX/XX/XXXX they have violated my rights. 

XXXX XXXX XXXXXXXX XXXX inquiry on XX/XX/XXXX they have violated my rights. 

150 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-15
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Nelnet, who services my loan, contacted a reference I had listed regarding my address. The company has my phone and email address. I do not understand why a reference would be contacted to confirm my address. I contacted the company and asked them to not contact my references again given that they already had a way to reach me. Nelnet 's contacting of a reference has caused me significant personal embarrassment. I send a payment to Nelnet every month. I am very upset and concerned about the company 's behavior in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Sale of account

Complaint:
This card issuer is reporting that I had an account with them over seven years ago, that it long ago sold off the debt, that it has no information on the account. Then I wrote the creditor a letter asking for proof of what they were reporting and nothing was provided. Then I disputed the debt with all XXXX credit reporting agencies to whom the card issuer reports and the card issuer stated that the information was reporting correctly. The creditor did not even mark the debt as 'disputed ' as required by the FCRA . It is a violation of California 's Rosenthal Act to verify something as correct as appearing in the credit bureaus unless the creditor has some documentation to back up what it is reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card
Issue: Other

Complaint:
Bank of America continues to pursue Collections for a balance that was long ago reported as dispute : reason fraud. They are sending no reply emails to collect on account ending in XXXX, after first trying to Collect on account ending in XXXX ( not sure if that 's the exact lastXXXX because I shredded the card then was cut off from electronic statements. 

The reason for card re-issuance was the fraud on that number. After reporting that there should not be ANY balance on the card I was not using or receiving paper statements for, and receiving acknowledgement that this is clearly fraud, I suggested CLOSING the card for reason : Lost/Stolen and replacing it to prevent further fraud. 

The balance was verbally agreed to be in dispute, and I had to go to the Fidelity Service center to request they act on my behalf after nearly a week of not being able to get through to the department to be transferred to for fraud & disputes. XXXX made the call for me and was privy to the conversation. 

The vendor was changed because of their gross negligence, and the account was purchased as part of a collections portfolio, when it should have been a XXXX balance and off my credit report. In fact, the account was only reported delinquent AFTER I reported fraud, placed the balance in dispute and was reissued a new card. A week or more later I received a credit alert that I was delinquent. 

I am willing to email BoA and have in writing what is being communicated but they are only sending no-reply emails with demands to contact Collections, noting the time frame within which they require an item to be placed in dispute. I am not willing to place the item in dispute AGAIN and miss their imposed time frame. The balance continues to grow, along with my desire to expose their devious practices to every person on the face of the earth. 

This was supposed to be resolved a very long time ago, and was the result of not doing the most basic fraud detection and prevention that is the expected standard for a financial institution. I am not willing to get into their technicality trap of fine legal print because they are ignoring the original dispute. They should not be in the banking business to be perfectly honest. 

This is an addendum to complaint # 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 2016-11-18
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Credit determination

Complaint:
I was n't able to pay my balance on my American Express credit card so I called their customer service and asked what options they have available for me. I was told I could make monthly payments. I said great and told them I could pay it back in a couple of months. 

They told me I could pay it over a 12 month period. I said great, paid it off over the 12 months and found that it also hit my credit report as severely deliquent. 

The drop in my XXXX score is so severe that it is preventing me from getting reasonable rates ( i.e. Car loans, credit cards, etc ) or I will be denied from getting any type of loan. If I would have known American Express would report me as deliquent, I would have cashed in my XXXX to prevent this impact that will stay on my credit report for 7 years. It is equivalent to having a bankruptcy on your credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: TRANSWORLD SYSTEMS INC
State: DC
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Transworld Systems, Incorporated used a robocall to call me on my cell phone to collect a debt in violation of the TCPA. They called multiple times, including leaving a voicemail by robocall from the number XXXX on XXXX XXXX, 2015 at XXXX XXXX. I have a saved copy of the voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I currently doing refinance with HSBC. My loan submitted in XXXX and they locked the rate for 90days. My mortgage got approved XXXX and they started to work on the subornation XXXX. In XXXX before the rate expired I have told them to extend the rate, their employee told me the rate has expired and they will extended. My rate was locked at 3 % and on XXXX XXXX I received an email for closing cost that my rate has increase to XXXX. I called HSBC again. My answer was your rate has expired then they will use the new rate. I feel HSBC is misleading their customer and they are cheating me as their customer. Their employee send me an email saying you either have to take it higher rate or pay {$4400.00} For 15days extend. My self is mortgage banker at another lender and I know how the extension works. For. 14 days charge I should n't pay for {$4400.00} or my rate went up since I already lock so what is the point of extension for? I need someone to help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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 balance transfer

Complaint:
I had a Bank of America ( BOA ) XXXX XXXX credit card. On XX/XX/2022, the account was transferred to XXXX XXXX XXXX XXXX XXXX ( XXXX ) because BOA was discontinuing the card. After that point I was unable to log into by BOA account. The outstanding charges on my BOA card, however, appeared on my XXXX  account, and I paid all outstanding charges. Yesterday, I received a statement showing as due the same charges that I already paid to XXXX. When I tried to call BOA for an explanation, the phone number on the statement was out of order. When I tried to call on a different number listed on the BOA web page, I was disconnected. I have no idea what to do.

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 2015-03-31
Company: ENCORE CAPITAL GROUP INC.
State: AE
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Actually NOT used obscene language but used pressure tactics, are unwilling to help/ resolve issue and also seemingly improper management of debts and PII - pers identity info ( SSN, addresses et c ). 
We incurred debts when I was XXXX with US military in XX/XX/XXXX, was XXXX discharged and did n't received any pay until XX/XX/XXXX. So we incurred debts, house was improperly foreclosed ( XXXX got us WHOLE 500 $! ). We settled/ paid off most debts, except for XXXX XXXX XXXX, where XXXX transferred some funds owed on mortgage ( foreclosed ) to CC which is n't legal. Then debt was almost settled with XXXX, but when requested documentation it was quickly transferred to Midland Credit Management, under MCM acct # XXXX. Midland FAILED to prove debt ( and it 's height ), FAILED to communicate to resolve ( I sent email requesting documents/ investigation into XXXX improper behavior ). Since then dealing with MCM DISASTER:XXXX/ MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX , CA XXXX is n't really attempting to collect, settle or communicate - when calling ANY of their XXXX numbers ( such as XXXX or XXXX ) XXXX gets through, then message says it is recorded and when asking about use of non-recorded line is put on hold and then told " unrecorded line is n't available, call in XXXX hours '' -- that is usually XXXX min into " transfers/ holds ... '' All reps giving " odd names '' such as XXXX diff person stated to be XXXX XXXX ( all from XXXX XXXX call center ! ), or XXXX XXXX or XXXX XXXX, these are from XXXX. That also bring issue XXXX/ PII, addresses, DOB and all info passed from US to XXXX XXXX who can effectively stole identity w/o any control/ oversight by US government/ agencies. 
I think that is ABSOLUTE disaster. 
On top, seems like Midland Credit Management is just RENOWN for this behavior w/o any action from our Government. Sincerely XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: Experian Information Solutions Inc.
State: SC
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:
Information added to complaint IDs : XXXX I have made disputes with XXXX, Experian, and XXXX for the collection account inaccuracy reported by XXXX XXXX XXXX XXXX XXXX 3 different account numbers to the credit bureaus in XX/XX/2022. 

Experian account number reported : ending in XXXX XXXX account number reported : ending in ending in XXXX XXXX account number reported : Ending in XXXX XXXX, XXXX, and Experian have failed to investigate the accuracy of this collection.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-18
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
I TRIED TO MAKE PAYMENT WITH MY AMERIAN EXPRESS CARD TO XXXX CELL PHONE COMPANY FOR XXXX AND TWO TIMES THE XXXX SITE SAIN IT COULD NOT TAKE THE PAYMENT DUE TO INSUFFICIENT CREDIT AVAILABLE. i CALL AMERICAN RIGHT AWAY AND THE REP SAID SHE DID N'T UNDERSTAND BECAUSE THERE WAS MORE THEN ENOUGH CREDIT LINE TO PAY THE CHARE AND AT THEIR END IT SHOWED XXXX CHARGES FOR XXXX BECAUSE WHEN AFTER MAKING THE FIST ATTEMPT AND IT WOULD ACCEPT THE 1ST CHARE I TRIED AGAIN AND XXXX WOULD NOT ACCEPT, tHE REP SAID THE CHARGES WOULD DROP OFF AFTER XXXX 10 DAYS AND WOULD BE PUT BACK ON MY ACCOUNT, HAVING FAITH THAT IT WOULD I MADE A XXXX PAYMET TO MY AMERICAN EXPRESS CARD AND LATTER THAT WEEK I TRIED TO PAY MY XXXX BILL FOR XXXX same thing happened, i spoke to customer service on XXXX XXXX th to a woman named XXXX XXXX ID # XXXX she assured me by XXXX XXXX the charges would drop off aND WOULD BE CREDITED BACK TO MY ACCOUNT, TODAY IS XXXX XXXX TH NOTHING CHANGED. I CALLED AMERICAN EXPESS AND THEY DAI THEY CAN NOT FIND ANY RECORD OF THESE CHARGES BECAUSE THEY DROPPED OF, CONVIENTLY THERE IS NO WAY TO TO PROVE IT BECAUSE THE RECORED OF THESE TRANSACTION HAVE BEEN REMOVED, MAKING IT POSSIBLE TO NOT RETURN THE XXXX FROM XXXX THAT THEY SAID THEY PAID TO THE MERCHANT? THE REP I SPOKE TO ON XXXX XXXX TH AT THAT PIONT IN TIME INDEED FOUND THE CHARGES AND AGREED THAT ONCE EVERYTHING CLEARED OUT Y AVAILABLE LINE OF CREDIT WOULD BE XXXX, NOW aMERICAN eXPESS SAID TODAY THEY CAN NOT FIND ANY RECORD THAT I EVER EVEN TRIED TO PAY XXXX AT ALL!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
companies refused to close bank accounts for three months or more after repeated requests and repeated XXXX balances. sometimes these banks claim pending acount activity when there is none.They refuse to cease all auto drafts of said accounts.This really needs be reported to ftc. They dont want the complaint.

Company response to consumer: Closed with explanation