BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-24
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, I have been attempting to reach someone at Chase regarding my home mortgage payments given my significant loss of income due to coronavirus. There is a laundry list of requirements to prove loss of income, including a profit and loss statement for my business for last calendar year. With the tax return deadline extended, I do not have such a document prepared and I can not prepare such a document in the 7 days I have left before my next mortgage payment is due. The process states that I need to supply all paperwork via mail and then someone will contact me to discuss in 30 days. Today, I attempted to call ... again ... to speak to someone at Chase. The wait time is 5 to 8 hours to  speak to someone. I am working and unable to stay on the phone for such an extreme wait time. This is completely ridiculous and the greed of Chase during this trying time should not be tolerated. I need help and they've created an iron-tight process to ensure that the company doesn't supply any. 

After an hour on hold, the line was " disconnected '' and I am continually having to call back to rejoin the queue to speak to someone. Chase has created a process so that they don't have to help customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I initiated this dispute with XXXX on XXXX/XXXX/15 after business hours. The very next morning, I received a notification from another credit bureau that I pay a fee to monitor my credit report that every account I disputed ( with the exception of XXXX had be updated ). I find it hard to believe Equifax was able to " verify '' the validity of those accounts in less than XXXX hours. In addition, they waited until the end of the XXXX day period to advise the information was factual and would remain. There is a clear issue of ethics and integrity with this credit reporting bureau. They are not actually verifying items, they are simple identifying them as valid. They have an obligation to verify and report accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account, by send dispute letters with XXXX XXXX XXXX, as well as with Capital One, and none of the listed companies has yet to respond to my dispute. 

CAPITAL ONE Account Number : XXXX Amount : XXXX I've send letters in for this account dated : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After I gave a copy of a valid FTC Identity Theft Report to XXXX XXXX, they should have stopped reporting the fraudulent accounts to the credit reporting companies. But I also provided a police report proving that someone stole my identity. If these actions guarantee me certain rights then why after someone has stolen my identity, has the fraudulent information remained on my credit report. I have the right to have removed all fraudulent information from my credit report. This is called blocking and once the information is blocked, it wont show up on my credit report, and XXXX XXXX cant try to collect the debt from me.

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 2017-02-18
Company: SUNTRUST BANKS, INC.
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My minor daughter had her atm/debit card stolen as well as her mobile banking account information for her checking and savings accounts at Suntrust bank hacked. The thieves used her card to make fake/altered traveler 's check and money order deposits to her account then on the same/next day used the card to make large purchases. They withdrew money from the Suntrust atm as well. This was all in a few days window from approximately XX/XX/2016. Her first indication of anything wrong was the bank 's fraud department calling her on XX/XX/2016 and she realized her card was missing. She is in high school during the day and works part-time several days per week so does not make purchases daily so had not realized it was missing. The fraud department had her verbally go through the information as to what purchases she remembered making, but at that time she was not made aware of any of the fake/altered check deposits. The next week a letter ( s ) came from them in regards to being overdrawn. I went to the bank branch ( on XX/XX/XXXX ) and the manger pulled up the information and then gave me copies of the checks that had been forged-she never knew about those. We were supposed to have a form sent to contest those charges. The forms did not arrive and I spend hours over weeks talking to multiple people. Recently another department sent a notice stating that the accounts would be closed and demanding the overddrawn amounts be paid ( about 2000 $ ) as well as stating that a negative notation would be put on our credit files. I have given them the case numbers but it seems the fraud department does not share the information with the collection department. We were again by the fraud department to fill out forms ( some of them to be notarized ) that then never arrive. They insist that all this could be handled at a bank branch but due to our work schedules we have only been able to go to a branch once and that was not a useful experience. We requested the evidence they used in denying the claim-such as a list of all the time stamped transactions, video images of the perpetrator at the ATM and at XXXX making the purchases at XXXX. However, they have never provided the information only sending a denial letter. They have been very uncooperative. Without the proper information we can not adequately rebut any inconsistent information-my daughter is minor teen and even a week after the incident could not adequately recall which days she may have worked or not and what places she went or not let alone months later. The places that the thieves went to get and spend money were at some distance from our home base and it ridiculous how the bank is handling this situation.

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 2015-10-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
This is this is the same complaint I had with XXXX regarding the bankruptcy law stating " when a debt is discharged ( chapter XXXX ), the creditor is '' forever '' barred from trying to collect it from you or reporting it to a credit bureau ''. The account was discharged on XXXX XXXX, 2009 when the Bankruptcy Chapter XXXX was discharged. The staff of these credit bureaus need more training regarding bankruptcy laws. 
Collections : XXXX XXXX XXXX - I sent them a copy of the statement showing XXXX balance. The agent I talked to from Equifax told me that according to XXXX the collection stands. I told her so you are going to take the words of the company instead of the documents I provided you. She said " YES ''. Not because the companies are paying for the services of these credit bureau does not mean we, the customer, has no say on the issue.That is not fair! And not right either!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: BOK FINANCIAL CORP
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX, I was laid off from my XXXX XXXX position. While trying to look for work and applying for XXXX XXXX related positions, President Trump issued a government shutdown. I immediately contacted my mortgage company, now BOK Financial. I informed them of the impending issue and signed up for their payment plan. They informed me that they would not publish the payments as late and this was a matter that was not of my own doing.I was able to obtain new employment XX/XX/XXXX. Once my first check arrived in XXXX, I began paying as requested in my payment plan. My last outstanding payment was completed in XX/XX/XXXX. So why do I bring this to your attention now? I worked hard to fight and raised my credit score so that I could be in a better standing. Now, I am being told that I had to have maintained 12 months positive payment history without a single late notice to apply for a new VA home loan for my growing family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
last year, I submitted an application to Capitol One for a credit card, but subsequently withdrew my application, and I never provided the requested documentation for the credit card, having instead selected another Bank ( XXXX  ). Recently, I received a statement for a Capitol One Credit Card account. I believe it's the first statement to be received. The balance was XXXX, but I don't even have the actual CC because the account was never formally opened. 
I called to cancel the card, and spoke with XXXX ( employee ID  XXXX ) ( XX/XX/2020, @ XXXX XXXX  ). He told me he would close the account. He clearly stated that they record calls for quality assurance purposes, but when I indicated that I also wanted to record the call, he said I was not permitted and would not continue the conversation if I was recording. After I told him that I objected to the " one-sided '' restriction, but that I would stop the recording, he continued. He confirmed he would close the account. I requested copies of the documents used to confirm that I had opened the account. He told me he was unable to send any documentation to me. When I asked for an address, he refused to give me one. When I asked if there was a balance or activity i.e. fraud ... he refused to answer, instead telling me that I'd have to submit a driver 's license, social security information and a utility bill for verification. I believe they wanted this information initially, and I declined the request at the onset. Seems to contradict the approval process for account creation. I disconnected the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: Rhodes, Kelly Assoc Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Rhodes, Kelly & Associates Inc. at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX has been sending me collection notices in the amount of {$1700.00}. The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

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 2022-04-08
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have been going back and forth with this company pertaining to a deposit of XXXX they blocked me from using my card and now suspended the card I asked can they send the funds back to the sender so I can have it sent to a different card they told me they would do it and havent done it yet and its been a whole year I showed proof of who I was I sent my business credentials I have not received any phone calls or email pertaining to this matter they basically kept my money suspended me from using the card and been giving my run around

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have disputed this several items requesting proof of my signature and the original contract which they fail to provide. I continue to receive the same response each time and within two weeks of each dispute which is " the account has been verified '' I demand proof of contract and signature or immediate removal from my credit file. Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX needs validation of debt done, he last payment is misising full payment history if there is any is missing, i have asked for verification before and it was ignored. my fcra rights have been ignored for full and accurate reporting. 
DATE LAST PAYMENT MISSING DATE OPENED MISSING DATE CLOSED MISSING

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: CITIBANK, N.A.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
CitiBank is due to pay {$400.00} bonus for a new checking account. This was expected XX/XX/2016 but was not credited. They claim they do not have a valid XXXX on file ; however, I have attempted multiple times to provide this documentation. At the time of account opening, via mail which was deemed not valid, and in a branch on XX/XX/2017. They cite the lack of a XXXX as the reason for not posting the {$400.00} bonus due to me per Case number : XXXX. A completed XXXX is attached to this request.

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 2021-03-15
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:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: One Source Technology
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX WAS THE EMPLOYER REQUESTED BACKGROUND CHECK FROM ASURINT FOR JOB EMPLOYMENT XX/XX/XXXX BEFORE THEY A DECSION WAS MADE XXXX XXXX WAS THE PERSON THAT WAS ON THE PAPERWORK THAT ASK FOR MY BACKGROUND.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I disputed inaccurated information regarding credit cards that were opened from an address that i never resided. I spoke to the creditors, and was told most of the accounts were opened online or over the phone ( red flag ). Which required the person who opened these accounts in my name to not have to show proof of identity after I had a fraud alert placed on my credit. I 've listed the credit report numbers above where you 'll find the inaccurate information that I have disputed, and to no avail have been unsuccessful with getting these inaccurate items removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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/2021 I saw fraudulent charges on my credit card statement, I called Capitol one right away to cancel card. My computer was hacked remotely, and my information was stolen. I then called the credit bureau to place a fraud alert on my credit reports. The hackers had placed almost {$1000.00} worth of fraudulent charges, which capitol one reversed all but 2 charges.1 for XXXX and the 2nd for XXXX. Telling me that these were legitimate due to the address verification, which they had because they hacked remotely and charged through my computer. And Capitol one is supposed to have 0 liability for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Central Portfolio Control Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I mailed them 2 certified letters on XX/XX/22, one for each of my accounts, asking for them to validate the debt as well as asking for a copy of my signature on a hippa release to them. They never sent me any documentation and are still attempting to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: I.C. System, Inc.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, in fact exists.

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 2017-01-07
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have disputed a Lien and a judgement that was placed on my credit file in 2014. I have requested information and also asked for verification of these accounts be sent to me. As of this date the the credit bureau has verified this account but I have yet to receive any information on any of these XXXX accounts. I also disputed a XXXX account, and a XXXX account that has not been verified, and I have no information or paperwork on neither of these account. I also disputed a student loan on my account that is reporting that i missed a payment and I have never missed a payment or been late ad I asked for it to be verified and I have not recieved any paperwork back on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Account charge off and closed need to be removed from Equifax. Account XXXX for an amount of {$350.00} without any company name just still showing up on Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Equifax investigation of my dispute of the following accounts : XXXX XXXX Bank, XXXX XXXX XXXX, XXXX Bank and MN XXXX, took longer than 30 days to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have been disputing XXXX separate accounts with Equifax for more than 4 months. I have provided Equifax information from the original creditors validating my dispute and showing the accounts should be deleted and are being reported incorrectly. XXXX continues to claim they validate the accounts as being reported correctly. I even took XXXX XXXX to court in XXXX XXXX Missouri on XXXX XXXX, XXXX thinking that it was XXXX XXXX that was mistakenly reporting XXXX of the accounts but learned that Equifax is the only bureau that reports an open XXXX XXXX collection account. None of the other credit bureaus report a XXXX XXXX account at all. XXXX XXXX even sent me a certified letter from their legal department stating that I must quit contacting them to dispute the account because they have provided the credit bureaus with all information needed for the account to be removed and that I should direct all future disputes with the credit bureau reporting the account. I have provided the letter to Equifax and they claim to have investigated the account and determined that the account will remain on my record for 7 years even though it is not my account. 

The other account is a paid insurance settlement account that was paid in full XXXX XXXX. The original creditor was XXXX XXXX XXXX XXXX but later changed to XXXX XXXX XXXX. I spoke to the people at XXXX who provided me with a paid in full letter and said they would notify the bureaus that the account would be removed. Equifax has claimed multiple times to have verified this account as an open collection with a {$34000.00} balance and will remain on record until XXXX XXXX. I have disputed this account more than a dozen times. XXXX says that the dates and balance information must have been mixed up during the new ownership/name change. Again, Equifax is the only credit bureau reporting either of these XXXX accounts. XXXX, XXXX, and XXXX do not report a XXXX XXXX or XXXX XXXX XXXX XXXX account on my credit reports.

Company response to consumer: Closed with non-monetary relief