BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
I had recently moved to XXXX and was not able to make a payment back in XXXX, I called the company and was told that I must make a payment first before they would be able to reverse any payments or change the report to the credit bureau. I was instructed to call two days later after the payment was posted, and I did to which I was told that nothing could be done because I was over two months late. To make sure I would n't miss another payment I asked the representative explicitly to setup autopayment for my minimum balance. It was my understanding that the autopayment would have fluctuated as the minimum balance was increased. 
Fast forward to XXXX/XXXX/2017, I always checked my bank to make sure the payment was taken out, but when I checked my credit score I saw that it had dropped significantly due to being late three months. I called Bank of America and talked to a representative which told me that the information which was given to me back in XXXX was false and that they could in fact change the credit history even after two month and they would be able to fix both issues after I had made a payment, he also mentioned that they have no record of me talking to a manager two days later. I still have the phone records if needed. 
Again I called two days later and was told once more that nothing could be done other then only one late fee being retracted. I asked to talk to a manager and somehow I was connected to the same manager from XXXX which told me she would not be able to do nothing once more.

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 2022-10-13
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Multiple calls a day received from a man that was rude and made threats. These calls started in 2019. Collecting interest on a debt that was not fairly communicated. I have paid the debt in full through the hospital.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: WELLS FARGO & COMPANY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
wachovia/ wells fargo bank [ mortgages ] on XX/XX/XXXX stole my home with XXXX % equity in by fraudulent forclosure, fraud and perjury comitted, ceo XXXX XXXX in cahoots with crooked ticketing judge XXXX, XXXX florida usa fraudulent final judgemant all paymants paid acount in credit, bank sent checks from my escrow acount to home owners insurance that was already paid infull they emptied acount then put me in forclosure, with over over {$6000.00} incredit all my paymant were tracable and cashed by wells fargo bank all international wires you can not bounce a international wire it is cleared funds, then the bank recieved the insurance checks when they came back in to a holding acount? the acount also had a c/o signed insurance check that i had done the work for {$2500.00}. i have just looked on XXXX county court records site XXXX florida XXXX XXXX XXXX XXXX case no XXXX XX/XX/XXXX the facts are all there crooked judge XXXX XXXX deliberatly refused to look at proof of paymant of all international wire transactions the escrow acount statemants are all there with the acount in credit also excessive Fees and monies not applied to acount clearly in the bank statemants this is fraud and perjury committed by XXXX XXXX who was told by the govermant what to do this is predatory lending on a organised crime bassis The Fradulent Forclosure Act is more important than false acounts You are making adecoy for what is about to unearth in your corrupt court system wachovia / wells fargo bank the mortgage title was in the name of XXXX and crossed out by pen this can not be a official documant and the crooked judge accepted it as proof of title i will question this CFPB you have done nothing about the fradulent forclosure theft XXXX casses

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
Consumer complaint received 2022-11-01
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Whom It May Concern ; I received a copy of my credit report and found the following item ( s ) to be in error. 
Please delete the following mis-reporting or not proven compliant, alleged information found on my credit report ; XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX CARD - XX/XX/XXXX Equifax I did not authorize or sign for any of these inquiries and by the provisions of the Fair Credit Reporting Act, I demand these items be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who has pasted them. Please remove any information that the creditor can not verify. I understand that under 15 U. S. C. Sec. 1681 ( a ), you must complete this reinvestigation with 15 days of this receipt of this letter. 

Please send an updated copy of my credit report to the above address. Accounting to the act, there shall be no charge for this updated report. I also request that you please send notices to anyone received my credit report in the past six months. 
Thank you for your time and help in this matter. 

Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: LOBEL FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
yes i have disputed these accounts multiple times and every time they keep saying its accurate when its fraud i have never did business with any of these companies and im really getting fed up with this whole thing like how can i get this removed like i want to take legal action at this point they keep saying its accurate when it would be accurate if someone is using my information so it makes so sense

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2022, JPMorgan Chase bank closed both my checking ( account number XXXX ) and saving account ( account number XXXX ) without any reason and explanation. 
I contacted them XXXX option XXXX many times, they only told me its still under review and they don't have a timeline when we will release the fund ( issue a check for my balance ). They owe me about {$4700.00} for checking account and {$30000.00} for my saving account. 
As today XX/XX/2022, it has been over 3 weeks, I still did not get any updates from Chase. Originally they told me that they will send a check to me within 10 business days after my accounts are closed. ( XX/XX/2022 ). 

Chase is being very unresponsive and refused to provide any updates and release the fund.

Please help, I need my money to pay rent and cover my living expenses!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Called Equifax over the weekend to unfreeze my credit report. 
The call was directed to XXXX. When I requested a US based representative as I am entitled to, I was told that the US call center is " closed '' and if I want to lift my credit freeze that I must talk to the XXXX based representative. 
I believe that this response is illegal because under US law I have a right to speak to US representative to maintain my rights under US law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for a Capital-One " Quicksilver '' credit card on XXXX through a secure online link XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX After meeting the {$500.00} spending threshold advertised for a {$200.00} bonus, Capital-One advises that I am not eligible for the offer. I verified tonight ( XXXX ) that this {$200.00} incentive remains advertised on the first page of the Capital-One website that I used for my application.

This {$200.00} bonus offer appears twice to the applicant - first when the initial quicksilver incentives are displayed ( as shown in the attached file ) and then again when the applicant continues with the application reaching the personal information page where the {$200.00} bonus incentive is even more prominently and singularly shown right beside the data entry location.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: Experian Information Solutions Inc.
State: TX
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: Problem with personal statement of dispute

Complaint:
XX/XX/XXXX, Experian reporting false report stating that I had an XXXX XXXX open in XX/XX/XXXX. On XX/XX/XXXX the report stated the year was XXXX. Since, I moved back into my house in XXXX of XXXX, I have been with XXXX XXXX XXXX  which, the company can verify ph # XXXX. I have never been with XXXX XXXX and prior moving to my house after evicting the person living in my house.. which is in Court Records, I was living with my daughter on XXXX XXXX which, the IRS and even verify. XXXX XXXX is fabricating and never sent me any info to dispute and even XXXX  have taken this off their reporting but Experian has refused and has added more incorrect reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01
Company: Spring Oaks Capital, LLC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
a company called Spring Oak Cap ( capital ) representing with XXXXXXXX XXXX is, state the same derogatory collections account on my credit report from XXXXXXXX XXXX is posting information on my credit and public information that I do not own or have had dealing with. 

XXXXXXXX XXXX XXXX, This account says it was started in XXXX and last active in XX/XX/XXXX. 

I have not had dealings with a company called XXXXXXXX XXXX. This company was also again found under another company claiming they represent them and saying similiar open account dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I've notice unauthorized inquiries on credit report and notice that someone may have applied to something in my name. I have sent multiple disputes to remove these hard inquires they are fraudulent and I want to get them removed. 

XXXX XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022

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 2017-01-25
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been contacted regarding an account for a debt that is not mine by XXXX, representing Jefferson Capital for an account associated with XXXX. This account is not mine. When I informed the representatives that the debt was not valid and in the process of repeated attempts to get verification of the debt, XXXX/ Jefferson Capital committed the following violations of fair debt collection practices : 1. Representatives from Jefferson Capital, XXXX, or XXXX contacting my family members ( I am assuming you got this information from social media ) attempting to reach " XXXX regarding a business matter '' for a debt that is over XXXX XXXX XXXX. - When I returned their call with my daughter, a lawyer, on line and she requested verification of the debt and an end to the calls, we were given a fake name for the person they were looking for regarding this account ( XXXX ). 

2. Calls to my cell phone regarding this account where, after I denied the account was valid, I was told that they would serve me papers at work, at home, " or wherever '' by the district court which was an implicit threat to sue me on a debt that is not only not mine, but well past the statute of limitations for debt collection lawsuits. 

3. Representatives from XXXX repeatedly refusing to provide account information to my authorized legal representative despite my giving verbal authorization for such communication and be being on the phone line during the conversation. - XXXX also repeatedly denied being in possession of the account to my authorized legal representative despite sending me requests for payments. - Requests for verification of this debt were repeatedly denied to my authorized legal representative with XXXX insisting they did not have the account despite having sent me a bill and attempting to call me regarding this account that same day! 

4. Reporting of a debt that is over XXXX XXXX XXXX to the credit bureaus. - This needs to be removed immediately as this is not a valid debt. - This needs to be removed immediately as this debt is over XXXX XXXX XXXX. 
These issues will be reported to the consumer finance protection bureau. Any further

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-17
Company: Fidelity National Financial, Inc
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Hi, I am not sure where to begin. I closed on my house in XXXX 2014. Unfortunately, my real estate taxes were not calculated correctly on my HUD. I just received word that I owe all of 2014 taxes even though I only live in the house for 45 days in 2014. My bank sent a mailing stating that I owe approximately {$10000.00} for all of 2014. I went back to the title company and the company that owned the home before and XXXX are telling me that it is not their fault. I did not understand the HUD well enough to figure out what was happing. I do n't have the money to pay and do n't know where to turn. I am still shaken how unethical the selling company is being. They did not pay their taxes in 2014. I am trying to avoid reaching out to an attorney due to the expense. Is there any help you can provide?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: U.S. BANCORP
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX made an unauthorized charge using my cancelled US Bank debit card for the amount of {$300.00}. The XXXX claimed that the charge was towards room booking at XXXX XXXX XXXX, in XXXX XXXX from XX/XX/XXXX th to XX/XX/2022. I ascertained that I never made the booking. Besides. I have a checking account at US bank for which the cancelled debt card was attached. I complained XXXX times about this unauthorized charge with both US Bank as well as XXXX. When I disputed this unauthorized charge with XXXX, they insisted that there was no record of any reservations made on those days. In addition, they denied that they have no record of the collected charge of {$300.00}. 

However, US bank debited the amount from my account of $ which has to be reversed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01
Company: Convergent Resources, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Service trial started on or about XX/XX/XXXX. I called XXXX and cancelled all services on or about XX/XX/XXXX and sent back internet tower and simm cards on XX/XX/XXXX with their return label from XXXX. THEY SENT XXXX return labels??? XXXX XXXX said everything was fine and there would be no charges. THIS WAS MY CALL TO CANCEL ALL SERVICES. 
The XXXX agent XXXX to cancel the services. I called a total of XXXX  times trying to cancel and they did not cancel the service until XX/XX/XXXX. All equipment was sent back XX/XX/XXXX using their return label and was delivered XX/XX/XXXX to XXXX see tracking record attached. They XXXX, then admitted their error ( recorded call ) but said they could do nothing about it. I have many calls into XXXX  recorded with them admitting the wrong done by them. 
XXXX falsely advertised all of their services for my AREA. They were and are a sub rate service for this area. 
XXXX XXXXXXXX did NOT do their job as they were required and falsely advertised their services. 
I was forced to pay a bill that they failed to cancel when I told them to. XXXX then sent a bill in for collection that had already been paid. 
XXXX  has XXXX my credit ( credit rating over XXXX for XXXX XXXX ) and I do not believe this should go unnoticed. I never became a customer of XXXX, and never will. 
I write this now this way, because XXXX could not get things straight. They were confused, and did not have correct information each time I called in. I have a complete LACK OF TRUST for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Payoff process

Complaint:
For the past 2-3 years I have tried to resolve this issue. I have a BoA checking account and credit card. I want to automatically make payments to my credit card from my checking account. You ca n't do it as a transfer - which is a set amount only. So if the minimum amount changes to say {$57.00} and your automatic transfer is {$56.00}, they charge you a {$30.00} ( or more ) late fee. If you try to " cancel '' your automatic transfers ( they call that the " plan '' ) they still show as pending for the next month - so say XX/XX/XXXX is scheduled. You cancel that one and XX/XX/XXXX pops up. Then you cancel XX/XX/XXXX and guess what? The only way to cancel those again is to call and spend an hour on the phone. Basically the " cancel the plan '' feature for transfers does not work. 
Now you can submit a written form ( no joke - you mail it in ) to have recurring charges on your checking account to pay your VISA, but then you have no control. You ca n't change it to be " full amount '', you ca n't see that it 's even setup - it 's a blank charge that appears in your checking account as " FIA Card ''. Frankly after 2-3 years I forgot who FIA was. I certainly did n't think it was associated with BoA. You can call and change it, but that too took an hour. 
The third option is to setup a payee of Bank of America Credit card for " Bill Pay '' - the first step in that process is to receive " electronic billing '' from BoA VISA. That takes XXXX days. I do n't want to get an electronic bill, I prefer paper. They assured me I would get both, but I sure do n't believe that will happen. Regardless - after this electronic payee is recognized in 1-2 days I can then setup a recurring monthly payment to my BoA VISA. They told me that would take 1-2 MONTHS. Again, lots of potential for those lovely late fees in this process as my bill is do in 2 days. Now I could live with all of this and say oh well, but I have reported all of these issues 2-3 times over the past 2 years and nothing was ever done, except sometimes they would refund my duplicate payments ( only going back 3 months of course because they only go back 3 months ). It just seems like a deliberate scam to get late fees, either that or absolutely horrible computer designs in which case they should n't be allowed to practice banking.

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 2015-06-23
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Completed chapter XXXX and paid off taxes, both state and federal. I have contacted XXXX and my report still shows liens by the FED and State.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Park Hill Holdings
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I haven't received any investigation results.

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 2022-11-01
Company: JPMORGAN CHASE & CO.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is against the owners of XXXX XXXX, JP Morgan Chase bank one the company falsie states i owe them for a charge of XXXX dollars when i asked during the month of XXXX to cancel and not renew my car insurance. instead their representatives denied canceling service, denied allowing me to not end my renewal and continued on without my authorization or consent to charge my bank account and debit monies out of my checking and credit cards. without authorization. 

I have sent a dispute in this matter. I have had to go through a serious medical issue and being told I had to keep my service with XXXX  because of lies and XXXX reasons is unacceptable all monies I gave this company are considered to me illegitimated for whatever services they claim to gave. 

JP Morgan Chase bank and XXXX XXXX own me for everything they took from me from their lying service and denying me the dignity and respect to leave their service during a critical medical issue and time of my life. 
their XXXX and need to be charged for discrimination and XXXX.

Company response to consumer: Closed with explanation