BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-11
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX  and Experian are reporting incorrectly a collection/charge-off in the amount of $XXXX on XXXX/XXXX XXXX – account number XXXX.  (Please see page attached from my credit report.)  I cancelled this account and returned the equipment.  Even after the account had been closed, XXXX was continuing to charge this account for out-of-country calls that were never connected.  Every month the total charges due on the account continued to get larger and larger.  I contacted XXXX  to assist me in settling the balance.  One representative told me they would accept a settlement amount of $XXXX.  I had a payment drafted and ready to go.  When I confirmed this settlement offer, I was told by another representative that the company cannot honor a lowered payment.  As I continued to try and resolve this issue I was informed by yet another representative that they never received the equipment I had returned so consequently I was still being charged on a closed account.  I asked every representative I spoke with if they were referring back to the notes from my numerous phone calls prior and every representative responded that they were in fact reading the notes as well as logging in the new notes.  I find this difficult to believe because there were so many conversations and each representative informed me of something different each time.  I have been trying to resolve this issue for months and have not been able to make any headway.  The account balance is incorrect and this false reporting of a collection/charge-off is seriously harming my credit score.  This line item needs to be removed from my credit report.  I have contacted the (2) bureaus to remove this however, I have not been successful.

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 2016-11-28
Company: JPMORGAN CHASE & CO.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a checking account, savings account, and a credit card with Chase Manhattan Bank, using XXXX of my company 's check 's totaling {$1900.00}, and I put a {$4200.00} cashier 's check in my savings account. They then told me it would take time for the checks to clear. After the checks cleared they refused to release my funds stating they need to verify the signer of the check. The signer of the company 's check went to the branch twice, and along with the bank representative did everything the fraud department requested. At that tine the bank rep. requested the funds be released. Later that day we found out that the fraud department still refused to release my money. I 'm disgusted, and told them to close my account and return my money. They said it would take XXXX to 45 days to get my money after the account closed itself funds would be released. XXXX XXXX days later they still had my money. Chase had closed my account, took the funds out my account, and put it in a special account. Chase Manhattan Bank stole my money and refused to return it. When I went back into the bank I was back to square XXXX, where they told me they still needed to verify the signer of the check after 45 days. If they thought this was fraud why did n't they return the money to my company?????? instead the just kept the money ... .what if my company closed and I could n't find the check signer ... would they just keep my money. Luckily the signer of the check is getting a copy of her signature from my company 's bank. If we are successful it will take another XXXX business days ... the saga continues.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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:
On XX/XX/XXXX I got an alert from my card issuer ( Bank of America ) that there was a suspicious activity on my card. Two transactions went through and the third was blocked by bank of America. The transactions that went through were from XXXX for {$260.00} and from XXXX XXXX for {$260.00}. I did not make these transactions and swiftly reported them as fraud. The bank issued me a refund on XX/XX/XXXX for these two transactions. 
However, on XXXX the charge for {$260.00} was put back to my card stating that " the seller provided correct address on file ''. Needless to say I never received anything from XXXX. I appealed the decision and asked for shipping tracking information and it was not provided. Bank of America fraud department refused to give me any further details. My appeal was closed silently without any notification forwarded to me of the decision made. I called Bank of America on XX/XX/XXXX again to appeal the decision, spoke with XXXX in fraud department at XXXX.He said the claim was closed because it was " an old claim '', even though it was appealed by me. He said that the seller matched the address and the name on file, but did not match the email. Again I asked for the shipping confirmation that the goods were actually shipped to my address and again did not get any supporting information. I appealed the decision again and it went nowhere again. 
At this point I feel powerless to fight the careless bank that frivolously adds charges to my account even though they were the ones who alerted me of fraudulent activity in the first place on XX/XX/XXXX. They can not provide tracking information and the email that the seller has on file does not match mine. That what XXXX told me. 
I have been a Bank of America customer since XXXX with excellent track record. 
At this point after numerous phone calls to Bank of America I have exhausted my options other than to complain about their practices. 
Sincerely yours, 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 monetary relief
Consumer complaint received 2019-12-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
A person from the number XXXX called me today at XXXX Eastern Time, and said their name was XXXX XXXX, and freely rattled off the last 4 of my Social Security number and my name as if it were not a protected number. I asked for the name of this person's company, and they initially refused to give this information: it was not until I pressed this person calling me about what company they represented that I was told that they were from XXXX XXXX. I explained that any part of my Social Security number is issued by the United States Government, and should not just be rattled off at the beginning of any conversation, and used as a way to traumatize or intimidate someone. Also this person XXXX XXXX had no problem continuing with the conversation by freely rattling off my date of birth, which should also be protected information, almost as a way to torment or taunt me that she has this personal identity information. This is dangerous business practices and abuse of my personal information, and if they're doing this to me, they are doing this to other people; please help. Thank you.  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On  X/XX/2017     Wells   Fargo took  all money from one account to cover the negative balance in another account. I called to dispute the claim. The customer service transferred me 4 times. I did not receive the funds back. I have not signed any documentation stating they can take money from  one  account to cover the next. They took almost {$700.00} from my account.

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 2015-03-26
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
In XXXX 2015 I purchased a car for my daughter, paying CASH. 
Equifax reported that my credit rating was too low to buy a car using cash? 
They reported my bank account at XXXX % of its actual value. 
They said my rating had to be lowered.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My husband had a XXXX XXXX XXXX 3 years ago and can no longer work. We are a XXXX income household. My XXXX is the only income we have. We have requested a mortgage modification at least XXXX times from JP MORGAN, CHASE only to be denied each time for different reasons each time. We finally applied for a forbearance. After over a year of filling out paperwork over and over, they granted the forbearance. CHASE sent us a contract to sign telling us to make 4 monthly payments of XXXX starting in XXXX 2015. We sent the first XXXX payment on XXXX XXXX, 2015 through XXXX XXXX. We sent it early to make sure CHASE received it in time for it to be credited by XXXX XXXX, 2015. We called XXXX XXXX and CHASE informed us that they did not receive to payment. We called XXXX. They told us that CHASE did receive to money and gave us a check number that was received by CHASE. Called CHASE again, told they still did not receive money and no record of check number. Called XXXX again. XXXX verified CHASE did get money. On XXXX XXXX, 2015 received letter from CHASE stating that the XXXX had been RETURNED TO XXXX because it was not enough to bring the mortgage current. Called XXXX. They showed no record that CHASE had returned money. Called CHASE again. Cust. Serv Spec. told us that the money was returned because they did not show our mortgage as being under forbearance. CHASE told us to send money again as we were still liable under contract for the XXXX for XXXX. We DID SEND THE MONEY IN THE FIRST PLACE. So first they tell us that they do n't even show us being in forbearance, they in they same breath tell us that we are under contract for the XXXX and must send it again or they will CANCEL the forbearance! What?! We want to know how to sue JP MORGAN, CHASE for our home and emotional stress. I am terrified every day that this is going to cause my husband to have another XXXX XXXX or that we will get an eviction notice. How do we get in on or start a CLASS ACTION SUIT against CHASE? We have called Legal Aid and HOME here in VIRGINIA and they can not or WILL NOT help us. Please tell us where to turn.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: ENCORE CAPITAL GROUP INC.
State: MD
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 XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 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 a account without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions. Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: Merchants and Professional Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I have a collection that has shown up on my XXXX  credit report from MERCH & PROF CB where they are stating I own money to XXXX  XXXX XXXX of {$140.00}. This is not due as my insurance provided them with payment and I have the EOB ( explanation of benefits to prove it XXXX. I have told the collector this and they tell me it doesn't matter as the provider would have that if that was true - they continue to call even though I have sent them the insurance company information and the EOB - their tactics are harassing and hostile and I want them to stop. This should be removed from my credit report at once as it is a fraudulent credit report against me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: Experian Information Solutions Inc.
State: NY
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:
Account is w/ ( XXXX  ) On my credit report is ( incomplete ) the report is missing numerous months of reporting some times as much as 12 months and ( inaccurate ) w/ their reporting of late payments they show paid in XX/XX/XXXX & 90 days late starting XX/XX/XXXX! I have contacted ( NAVIENT ) twice by certified mail & US Dept of Educ as directed by all three credit agencies Experian, XXXX  & XXXX  but nothing has changed! They keep saying report was ( Updated ) yet it the same report keeps coming back w/ ( No ) changes ( No ) one is reading my letters! I even send them Certified to show proof theyre receiving them! Last ones were for 15 day Method of Verification still ( No ) response!

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 2016-04-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX is my new Foreclosure Auction Sale date. This is the 3rd one since XXXX and I 'd like it postponed. 
Why? I 've been in loan modification XXXX with Chase bank since XXXX of XXXX and have yet to receive an answer! 
Current on my payments until XXXX XXXX, I was advised by Chase that I had to be a minimum of 3 months behind to qualify for their loan modification program. At that time my loan was {$420000.00} and the value approximately {$80000.00}. 
For nearly FOUR years, Chase has repeatedly removed my COMPLETE file from Underwriting, requesting information they 've already been given multiple times, confirmed by my fax receipts. I have provided everything they 've asked for many many times and have resorted to sending documents ONLY from a CHASE bank so that they can no longer claim to have " '' not received '' them. They 've even claimed to have lost my file entirely and I 've had to start over ... once more. 

Now, today, another new contact person ( XXXX since XX/XX/XXXX ), requesting documents they already have, while keeping the XXXX XXXX foreclosure auction date in force. 

This is emotional blackmail. 

According to the Office of the Comptroller of the Currency, Chase bank is STILL out of compliance with their XXXX bailout/fines deal, continues to violate the Homeowners Bill of Rights and are Duel Tracking. Where is the accountability? 
Under NO circumstances ... 9 years after the market crash and 4 years AFTER XXXX deal with the gov't, does it take almost FOUR years to determine if a person qualifies for a Principle Reduction for a severely underwater loan which today has inched towards HALF of the loan amount in value! 
Please intercede on my behalf and stop this foreclosure and insist that Chase Bank comply with one of their options, a Principle Reduction for Severely Underwater Property, that they agreed to in exchange for their taxpayer Bailout. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I received a response to my complaint against US Bank ; however, I have not received the refund, nor my account statements in question. This has happened once before in 2009 and is a current issue as well. I believe that I am owed more and would need to investigate the transactions for overdraft fees. The CFPB file number is 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 2015-08-23
Company: U.S. BANCORP
State: MT
Product: Credit card
Issue: Billing disputes

Complaint:
Why am I still getting a bill? I paid off my account and if I would have been informed that my rewards would be lost if cancelled ( which I should have been ) I would have requested them paid to my account before cancelling and you would have been owing me money. 

It is not much fun to get a load of groceries and then be told that your card is being declined. You had my phone number and I should have been called about the fraud charges and let known that I would not be able to use my card. I was on vacation and it was at a very bad time to have this happen. 

I feel that because of the rewards that were not applied and I was not contacted about my card being declined -- - I do not owe you - you would owe me and I would be charging you late fees and past due amount. You owe me {$40.00} for rewards and I owe you only {$7.00}. You charged me a {$29.00} late fee before I even got a chance to pay on the statement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-03
Company: WELLS FARGO & COMPANY
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I previously had an account with Wells Fargo. I had numerous errors on my account, with transaction errors, overdraft fees and not letting me access my account because of these fees. Made me pay back several fees due to their negligence!

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 2021-11-16
Company: Credit Karma, LLC
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Credit Karma did not send me a email letting me know that they locked my account. I had decline transactions which was weird because I have money in the account. I called they said its locked because they need to verify me. They requested my bank statement from my other bank account and ID. I provided the details they needed to verify me on XX/XX/2021. Its now XX/XX/2021 and XXXX still getting the run the run around about my money that I worked hard for. Then they told me when my check come it will reverse back to my job. But my check was deposited and doesnt show in my available balance my money prior to my check deposit suppose to {$810.00} and with the check that said it was deposited in the XXXX in to the account amount is {$790.00} all together the total amount should be {$1600.00} and it doesnt sh that. Then I kept asking how long because I have bills to pay and theres has yet to be resolution. They said once I sent in documents it will be resolved and it has yet been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: EQUIFAX, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
I am very XXXX! My underlying reaction to the inaccurate thing on my acknowledge report sent as expressed in a previous message on XXXX. Today is XXXX. Commonly by law, you should react within 30 days. During these troublesome occasions, all of you have been given an expansion which I comprehend. In any case, it has been well over the augmentation period given. I have prompted you on in excess of 3 unique events. I am beginning to accept this is a slow down strategy on you folks ' end. I interest in your organization eliminates this blunder from my credit report or face case. In the event that you don't eliminate this off-base data quickly, I will document a formal complete with the FEDERAL TRADE COMMISSION! I am staying aware of the entirety of my reports and types of correspondence with you on this issue simply if there should be an occurrence of documenting a grievance with the FTC on the off chance that you keep on choosing not to participate. In Wenger v. Trans Union Corp., No 95-6445 ( C.D.Cal.Nov. 14, 1995 ), you will be considered answerable for your choice not to not consent. My family and I are being compelled to pay higher loan fees and denied by numerous organizations when attempting to buy important necessities to get by during this troublesome monetary period. In the event that your next reaction to me is definitely not a unique application with my mark on it or a letter expressing that the deceptive data that is infringing upon the Fair Credit Reporting Act isn't erased I will proceed with my FTC objection. As demonstrated by the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by government law to affirm, through the real check of the principal stamped purchaser contract, all records that you post on a credit report. Else anyone paying for your itemizing organizations could fax, mail, or email in a bogus record. I interest to see apparent proof ( i.e. : a remarkable buyer contract with my imprint on it ) that you have on the archive for the record recorded underneath. 

Your powerlessness to emphatically check these records has hurt my ability to get credit. Under the FCRA, off base and strange data must be erased from a customer 's credit report.

Company response to consumer: Closed with explanation