BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-15
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX separate unauthorized fraudulent debit card transactions were debited from my Chase checking account. 

transaction date : XX/XX/XXXX, XXXX XXXX {$2300.00} XXXX description : XXXX XXXX XXXX MO XX/XX/XXXX merchant description : XXXX XXXX transaction date : XX/XX/XXXX, XXXX XXXX {$2200.00} XXXX description : XXXX XXXX XXXX MO XX/XX/XXXX merchant description : XXXX XXXX  transaction date : XX/XX/XXXX, XXXX XXXX {$2300.00} XXXX description : XXXX XXXX XXXX MO XX/XX/XXXX merchant description : XXXX XXXX  I alerted Chase of these unauthorized fraudulent transaction debits on XX/XX/XXXX. They created a claim for me ( # XXXX ) and provided me with a temporary credit back to my account that was equal to the total unauthorized fraudulent debits ( {$6900.00} ). 

Chase completed their research and responded to me on XX/XX/XXXX indicating " we found that the transaction ( XXXX ) was processed according to the information you provided or was authorized. As a result, we are removing {$6900.00} from your account on or after XX/XX/XXXX. 

I called the Chase customer claims department on the evening of XX/XX/XXXX and was advised I could dispute it with the merchant. 

I made an appointment with a local Chase XXXX representative today, when I was there they called the same claims dept I had called the night before. They advised him the merchant provided some kind of receipt only to Chase on XX/XX/XXXX. Based on this this receipt coming in, Chase closed my claim is is going to remove the funds from my account very soon as a result of these fraudulent transactions being honored by Chase as legitimate. 

Please help me keep my own money. I had nothing to do with these XXXX fraudulent unauthorized debits to my checking account using my debit card number. I have never heard of this XXXX company, I have never contacted them ( phone, email, social media, nothing ). I want to make sure I am able to keep my own money as I am a victim in this fraud attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am having a very difficult time with Select Portfolio Servicing. We're getting back on our feet financially from COVID 19 and have been denied for a loan modification. The reason given by SPS was due to the delinquency of the account. That does not make any sense to me due to the fact SPS is the one that told me they could help me under the CARES ACT with the forbearance. Now the we're back working we just want to go back to making our monthly payments and avoid foreclosure. Our gross income of {$6100.00} can clearly afford the mortgage payment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: ASTORIA BANK
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Short sale request was denied for a bogus reason.   I received a short sale denial letter yesterday that makes no sense and  Astoria i s not responding to me.   The denial letter states that the short sale was denied due to excessive fees and the offer was too low.   The fees on the seller side are NOT excessive - the 6 % realtor fee and 2 % transfer tax for Pennsylvania are traditional and customary - NOT excessive.   The sale price of this home is $  XXXX , which is the fair market value for this home. At this sales price, with all sellers closing costs deducted ( again - traditional and customary costs ) - with  NET Astoria  {$350000.00} - which is BELOW the payoff fo r Astoria.    Why woul d n't Astoria resp ond with a counter offer if this was the case - a rejection is just yet another way to delay this file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21
Company: MOHELA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: LEXISNEXIS
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
To Whom It  May Co ncern : I have recently been informed that there is a Bankruptcy in the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry listing a Bankruptcy in I do not have  a Tax Lien or B ankruptcy.      ( UNITED STATES BANKRUPTCY COURT DISTRICT MINNESOTA ) does  not report  ( type of file - Tax Lien or Bankruptcy ) to credit bureaus.    Federal law protects the privacy of most personally identifiable information reported. However, credit bureaus actively search public records for any judgements or tax liens.     A Bankruptcy filing is public information. Again , ( UNITED STATES BANKRUPTCY COURT DISTRICT MINNESOTA ) does not report anything to the various credit bureaus, nor do they verify that the   information reported is accurate.  ( CB Nam  e-   XXXX   ,   XXXX   ,  XXXX  ) has found  information on ( type of file - Tax Lien or Bankruptcy ) through  third party resear ch.     Please validate this information and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.     Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act, section   623 ( a ) ( 3 ), and I am keeping careful record of your actions.
Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: ALLY FINANCIAL INC.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2018, I called to inquiry why I was paid {$2.00} on a {$6000.00} balance on an online savings account knowing when I opened the account, I was told that I was going earn 1.45 % APY and they kept evading my question. After 6 phone calls I told them that I would like to close the account for their malpractice and bait and switch antics. My account has been temporarily locked and I have no access to my funds. This is disconcerting and I feel discriminated against for my ethnicity being XXXX, had I been white, they wouldnt have XXXX  me around. They have falsely promoted an APY that is clearly inconsistent.

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 2021-03-01
Company: Unifin Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
A family/relative received a letter from this collection agency ( UNIFIN INC ) to their address XXXX XXXX XXXX XXXX TX XXXX. Due to my relatives name is the same as mine XXXX XXXX. They opened the letter to find out about a debt back in XX/XX/XXXX. My relative not knowing of any debt with this company then thought of reaching out to me to inquiry about this. As I tried to figure out also, I was able to access more account information via their website and by entering my SSN I found out this was my debt. When I tried to review I see this company has my current address XXXX XXXX XXXX XXXX TX XXXX. I am not sure why they have not contacted me about this. This is totally against privacy of my debt. This address I have not lived in since back in XXXX. I want this address ( XXXX XXXX XXXX XXXX TX XXXX ) removed from their system and a complain to them on why they sent a unauthorized letter to someone else other than me. 
If they need to reach out to me about this debt. Then they need to use my current address and per their system that is the only one available to reach me and discuss about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21
Company: AmeriCollect
State: AZ
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:
Americollect Inc was contacted and told that this is NOT my debt. They have a published debt on my credit report with a XXXX Hospital ( not even sure where that is located ) from XX/XX/2019. I have not been in Michigan for 2 years and I have great credit with this ONE derogatory and false publication. The item was disputed via XXXX and all they did is put a note on my credit that says " Consumer disputes this account information ''. My attorney advised to file this and state licensing complaint before filing a Federal lawsuit under the FCRA and FDCPA as this is clearly not my account. I was a victim of identity fraud in the past and they were told that but willfully and maliciously ignored it, attempting to fraudulently collect a balance not owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: CURO Intermediate Holdings
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
FCRA 604 Permissible Purpose FCRA 609 Disclosures to consumers AD Astra Recovery is not licensed as a collection company in VA or MD

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: EQUIFAX, INC.
State: VT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax 's website was down and I wasn't able to temporarily lift my credit freeze. I am applying for a mortgage and it was time-sensitive so that I didn't lose my rate. I called Equifax several times and each time their digital verification system ( I had to submit a photo of my license ) was broken. So I was unable to verify my identity that way. Then, they asked me a series of questions that seemed too difficult to answer : ( XXXX ) How many current and old credit cards do you have? Why this is difficult to answer : I had a credit card that I cancelled in 2015. I have no idea what my average monthly balance on that card was and I don't have the documents to find out. ( XXXX ) When was your credit frozen and unfrozen in the past year? Why this is difficult to answer : I've been working with XXXX banks over the past XXXX months and have frozen and unfrozen my credit many times. 

I offered to email a copy of my license, but they said I had to mail it or fax it and wait 3-5 business days to get a reply. Basically, because of Equifax 's stone-age tech, I almost got a interest rate bump on my mortgage, costly me thousands.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have private and federal loans with  XXXX   XXXX  then  Navient.  When I was with  XXXX   XXXX  I requested to have my co-signer removed. They told me that if i pay on time f or two ye ars I can submit a request to remove my cosigner. When I complied I submitted my request and they told me they could not remove my cosigner because I did not make over {$60000.00}. Then I requested that to consolidate my loans in order to lower my interest but they said they do n't offer that service. Then I received a letter informing me that  XXXX   XXXX  is know  Navient. I calle d an complained that I did not agree, but they said they could do nothing about my request. A couple years ago I could not pay my loans for a couple of months and Navient improperly directed me into forbearance. I have the letters of the forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: TD BANK US HOLDING COMPANY
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:
On XX/XX/2021 I had some issues with the TD Bank app. It was not working and I was getting an error message saying unable to connect to server I have attached a screenshot of it to this statement. I decided to go to a branch, the following day to make a payment but it was on thanksgiving day and the bank was closed. I had to do it the very next day, on XX/XX/2021. I have made XXXX ( XXXX ) payments in cash. One for {$500.00} and the second one for {$80.00}. I have attached a copy of the receipt to this statement. In total that day I have paid {$580.00}. The last day of my billing cycle was XXXX XXXX. So I have made the 2 payments before the last day of my billing cycle. Unfortunately those to payments have not been reported to the 3 credit bureaus. My balance before the payments was {$590.00}. My balance after the 2 payments should have been {$17.00} since I have paid {$580.00}. TD bank did not report the payments I have made to the 3 credit bureaus. I want them to fix it!!! I have sent a letter to TD bank about it ( attached to this statement ) but they have not done anything!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have several hard inquiries that I did not authorize for an auto loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Other

Complaint:
I received a phone call from a female  XXXX  supposedly from  XXXX   XXXX   XXXX . She told that to call  XXXX  regarding a complaint a summon for a debt supposedly I owe in   XXXX    . They told me if I do n't pay I could me arrested or freeze my back account. I do n't owe anybody.. I check my credit report and that account does n't exist. They have n't send me anything through the mail. The only thing they send me a email. they wanted my back information and my signature. I check in the internet and I 'm not the only one who this people called.. This company is not in the internet, I checked.. I want them to stop harassing me..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21
Company: Asset Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


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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 2022-05-01
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The XXXX bankruptcy that has been listed on my credit report has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

( XXXX  XXXX XXXX Indiana XXXX Bankruptcy Court filed on XX/XX/2015 under XXXX XXXX XXXX ... Ref # XXXX ( Experian, XXXX, XXXX, XXXX have all violated my rights ) 15 U.S.C. 1681 section 602A States that I have the right to privacy.

15 U.S.C. 1681 Section 604A Section2 : states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section : states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s- ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause that the information is inaccurate.

15 U.S.C. 1681b : states permissible purposes of consumer reports

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