BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-10
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX XXXX, 2016 Chase wrote regarding Case number : XXXX : When we were notified of this case, we sent you a letter letting you know we received it. Although we began researching your concerns right away, we need more time to complete it. Please expect a letter from us when we have an answer. Thank you for your patience. 

This is yet another lie by Chase, when Chase was notified about this case, they did not send out a letter, they, in direct violation of Regulation Z and TILA initiated dunning calls. Chase did acknowledge receipt of the letter in numerous communications, thus they can not claim they did not receive the letter. 

In the aforementioned complaint a direct request was made of Chase to provide documentation used to make a decision, Regulation Z and TILA both require a response within 30 days, at a maximum, or the account to be provisionally credited. Chase did neither. 

The fact that the executive office of Chase is openly and directly violating Regulation Z and TILA in a response to inquiries on a CFPB website is troubling. 

I would also like to thank the CFPB for Chase would have never responded to my questions without your assistance.

Company response to consumer: Closed
Consumer complaint received 2016-09-27
Company: Colony Brands, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
There is an unknown item listed through Swiss Colony which I have no idea what this is. Disputed, requested validation and of course nothing received but still is listed on my credit file. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
BANK OF AMERICA/XXXX is reporting for XX/XX/XXXX as 90 days behind however reported XX/XX/XXXX to XX/XX/XXXX in good standing. It would not be possible to be 90 days late if the account was in good standing the month prior. This is significantly bringing down 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 explanation
Consumer complaint received 2022-11-08
Company: WELLS FARGO & COMPANY
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I sent a transfer for XXXX XXXXXXXX on XX/XX/22 from my Wellsfargo Bank Account to XXXX XXXX XXXX Bank with routing number XXXX and to account number XXXX. The money was never transferred to the recipient. I first opened a case with Wellsfargo Bank to look into and they kept on prolonging without a proper response. After 10 days of calling several numbers, they said its closed and without a resolution. Again they made me open a new case ( XXXX ) on XX/XX/22 and saying it would take 10-20 days to resolve. My money is being stuck for more than 2 weeks and the Bank is taking their own time to credit the amount back to my account. I kindly request you to take stringent action for the delay and for not causing me inconvenience by not making my money available.

Entity to contact at Wellsfargo Bank : XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Case Number : XXXX XXXXXXXX XXXX XXXXXXXX

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 2015-05-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I had XXXX credit card accounts with Chase banks for which the debt was forgiven and I was issued XXXX forms. Cancellation of debt. I then, when ahead and reported XXXX accounts on my personal income taxes for XX/XX/XXXX and XX/XX/XXXX, and paid accordingly to the IRS. The account has been written off and taxes have been paid on the amount forgiven, Chase bank has been given the tax write off but they are still reporting a full balance for XXXX account on my credit report. It should be reported a XXXX balance as the debt has been cancelled/forgiven, the have already taken the tax write off from the IRS and now they still want me to pay in order to report a XXXX balance to the credit bureaus. This would be double dipping for Chase bank, getting the tax write off and then still collecting the cancelled amount on XXXX accounts. Partial account numbers are : XXXX and XXXX, full account numbers are reflected in the attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I have paid XXXX XXXX now Navient every month until recently when I became unemployed and my wife could no longer afford to make payments to them on my behalf due to medical bills. I called Navient several times to see if I could request a financial hardship. They proceeded to tell me there was nothing they could do. I would just have to make the payments. I receive approximately XXXX to XXXX calls per day from them requesting money. Are there any options that I can take as to keep my credit in tack, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: Prince Parker & Associates
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Our XXXX XXXX XXXX bill consisted of our business phones as well as tablets that were taken on due to promotional billing credits issued to lower the cost of the phone bill. In XXXX at the time of our XXXX XXXX XXXX rate contract renewing we began looking at other phone companies. On XX/XX/22 we signed the porting contract and our account was cancelled with XXXX XXXX XXXX on XX/XX/22. Since then we were billed and our account debited. XXXX XXXX XXXX issued us a refund on XX/XX/22 XXXX XXXX XXXX continued to deduct payments. On XX/XX/22 we requested a refund in amount of {$1200.00} and received it. We continued to receive bills on the account for a tablet. We sent emails to our account manager and called XXXX XXXX XXXX customer service regarding the balance. XXXX XXXX stated that they would credit bill. Yesterday we received a bill from a collection company regarding the balance due. XXXX XXXX XXXX has turned the account over to Prince Parker collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: EQUIFAX, INC.
State: MD
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:
They have added interest on a charge off account which is a violation of the FCRA. Delete immediately XXXX  XXXX XXXX from my credit report!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: CITIBANK, N.A.
State: IL
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: Card was charged for something you did not purchase with the card

Complaint:
I received a bill on   XXXX   XXXX   XXXX    , stating that I had a bill due on a card for {$170.00} for spending between the dates of  X/XX/17    -   XXXX     that I had n't received. I called  Citi  bank and they told that there was nothing that they can do to help me due to my phone number not being registered to me. They suggested that I go out and get a new phone number under an account in my name to verify who I am, so I did that. I called back and updated my information and they said their was nothing that they can do, that I must submit my Driver 's license, social security card, and my name with a bill on it in order to verify who I am to the fraud department. I did n't like it but I did it. I called back  XXXX  days later and spoke with several people and they told me that there was nothing that they can do other than verify me through a phone number. I 've went through and completed every step they asked me to and still I got no results from the company.

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 2016-04-11
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
this debt was included in a chapter XXXX BK XXXX filed XXXX/XXXX/2016 this the collections company was already notified and continued collection practices are being made by the creditor. this account should be removed from my credit report and all collections efforts should cease.

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 2015-09-09
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I was on a joint acct with my son in XXXX 2015 there was a fraud done on the acct he forward the police and the FBI report to the bank they refunded the money XXXX {$500.00} XXXX back to his acct. In XXXX they decided they were going to take the money back out of his acct. on XXXX XXXX so on XXXX XXXX I told my son to get me off the acct so they do n't go into either my business or my personal acct so we closed the acct on XXXX XXXX on XXXX XXXX the bank ( XXXX XXXX XXXX reopened the acct and took the money out of my Business acct in which my son is not on so they should not have touched my money they said my ss # was hooked to that acct but it was n't I opened my business acct with my TIN and my son is not on either of those accts. I went into the bank on Friday and the Banker talk to a guy named XXXX was taking care of it and he would get it back into my acct on Tuesday XXXX XXXX it was put back into my acct by XXXX I closed my personal acct that day XXXX XXXX and by the following morning my money was once again taken out of my acct the business banker XXXX showed me the email from XXXX stating he put the money back into my acct and to have my son make arrangements with their collections department but yet and still they took the money out of my acct and have not put it back so I feel the robbed me they stole {$500.00} from my business and I want my money back. I also checked my acct at the atm when I left the bank and the money was back in my acct so I did see for myself that it was put back into my acct.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX Date opened XX/XX/XXXX Balance {$210000.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$5200.00}, and XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Date opened XXXX XXXX, XXXX Balance : {$500.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2015-10-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Around XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX took over our home loan from another bank. The loan is now paid off but during that time we were having problems with the all the time. Problems such as we set up electronic payment and were advised AFTER-via late payment notice, that electronic payments were n't authorized. Then when we sent payment in by check, we received another late payment because they increased the amount without telling us so our payment was short. They told us they would clear all late notices and we would send in the difference which was {$37.00}. Yesterday I had a background investigation interview and was asked what the late payment to XXXX was about which was dated XX/XX/XXXX. We have no idea what that is about and I called them and they told me that they do n't show any late payments on our account. I would have to send in this problem via fax before they can investigate. Go ahead and XXXX XXXX and see all the unhappy reviews about them and see how many are just like mine. They are a very disorganized company and should not be in the home loan business.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Please see that Equifax has merged some old information to my credit report. I have attached to XXXX credit reports. The XXXX from XXXX is the correct report and the XXXX from XXXX is incorrect. Now, they from XXXX has my name listed as " XXXX XXXX XXXX '', which is correct and on " ALL '' my reports from Equifax come with that name displayed. 
The report you see on XXXX has " XXXX XXXX XXXX '' and the many negative accounts have been added to that process. Equifax has totally destroyed my credit profile by account XXXX negative account, changing payments history, modification of inquires and revolving credit line. This was brought to my attention because an alerted popped up stating Equifax has a new address for me and I have not moved ... That 's when I saw the chaonges of the name and credit report. 

Please " see the latest letter from Equifax attached with the name XXXX XXXX XXXX '' and not " XXXX XXXX XXXX ... '' I DEMAND EQUIFAX RESOLVE THIS ISSUE ASAP OR A LAW SUIT WILL FILED! As I proivded the proof and found the problem with the report. My file should look as it was on XXXX. 

Please take more then 5 mins to view this information and you see the problem. Reference CFPB # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: Marlette Funding, LLC
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I received a offer from Best Egg credit card offering 0 % interest on balance transfers and purchases for 12 months. I applied and was approved, but I couldn't locate the balance transfer option on the website. I called and spoke with XXXX and was told that they haven't set up that feature and he didn't know if/when it would be set up. I only applied for this card for the 0 % interest rate offer, now I have a card I can't use and it's on my credit report. 

I would like to be able to use the 0 % balance transfer for 12 months or have the card closed and totally removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: Netspend Corporation
State: OK
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
Tried to activate a prepaid card with netSpend, they wanted me to submit paper proof of drivers license, birth certificate and social security card. No other service has ever asked for that when activating a PREPAID card. Then I could n't get a refund, they made the card a one time use, did n't get the fee I paid for the card back just the money I loaded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
XXXX, XXXX, AND EQUIFAX ARE IN VIOLATION FCRA SECTION 623 ( a ) ( 3 ) OR FCRA SECTION 807 ( 8 ). I DISPUTED XXXX BANK ON XX/XX/2022 THE DISPUTE END XX/XX/2022. THE COMMENT SECTION OF THE ACCOUNT IS BLANK. ATTACHEMENTS SHOWS THE DISPUTE ALSO ATTACHMENTS SHOWS THE ACCOUNT ON MY UPDATED REPORT DATED : XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: Southwest Credit Systems, L.P.
State: MO
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX XXXX, XX/XX/2015 I sent 300.00 to the incorrect credit card company Southwest Credit Card through money gram. I already faxed the company a letter stating I did n't have an account with them and I was wanting my money refunded so I can properly pay my debt that I owe to another company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
On or around XXXX I discovered than XXXX XXXX Bank has the wrong date on file for my bankruptcy. The account is closed but my dates were not properly updated with the records they have it reported as being charged off XXXX of XXXX when it should be XXXX XXXX almost 10 ago and not 5 years ago. The XXXX XXXX account was the whole bankruptcy case. There is a serious and obvious error please delete this account from my report it is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had a XXXX credit card opened in XXXX with a/c # XXXX I had a job lay off in XXXX and a foreclosure because of that in XXXX. I was working with an attorney and somehow i was given wrong information at that time and i added the credit card account also part of the process. It was charged off in XXXX. Based on understanding from previous research, XXXX settled with Federal govt. and agreed not to proceed with any further collection efforts. I was sent a XXXX and balance of XXXX was reported as income and i paid tax on this amount. However, XXXX is still reporting this to credit agencies as Amount due, and the current balance is showing as XXXX I have been trying to contact XXXX multiple time and have been forwarded to different groups and call centers without resolution. Here are the details below for the calls today XXXX/XXXX/XXXX, after i got the latest update from Equifax that, XXXX verified the past due amount on XXXX/XXXX/XXXX as XXXX Called XXXX at the no given by the Credit Agency - Equifax as the contact details XXXX, DE-XXXX XXXX Was asked to contact - XXXX Talked with XXXX XXXX ( ID ) Confirmed the a/c no is XXXX Got transferred to XXXX XXXX ( ID ) Was advised to contact XXXX XXXX XXXX She transferred me to XXXX XXXX ( ID ) She advised to contact XXXX XXXX XXXX Got disconnected Please find aatached the XXXX form from XXXX. Kindly help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: Experian Information Solutions Inc.
State: AL
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:
On experian, I m showing a XXXX XXXX, account XXXX, amount {$290.00}, collection account, that is not mine. I am requesting verification or validation of debt. I have no debt with this company. I am requesting that this account be removed or deleted off my credit report.

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 2017-02-02
Company: Louisiana Recovery Services Inc.
State: LA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have contacted Louisiana Recovery Services on many occasions to validate a debt that the company claims i owe to them. There are several accounts that are listed on my credit report that i have no knowledge of. After properly disputing the accounts i received a letter stating that i owe them an amount that is not listed on any of these accounts on my credit report. I was told that i need to validate my own debt and that they would not remove it. The company has not sent me any information as to where these debts come from or proof that they belong to me.

Company response to consumer: Closed with explanation