BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-26
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX collection agency Credence removed an alleged debit from all 3 credit agencies over 3 years ago as the debt did not belong to me. Now Credence has reinserted this same debt to all reporting agencies under my name without properly notifing me in advance. 

I have requested Credence collection agency to provide validation of this alleged debt, but they refused to. However, they mailed me a 50 % off settlement offer instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-26
Company: JPMORGAN CHASE & CO.
State: GA
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:
This issue relates to the unacceptable fraud prevention Chase has in place regarding their co-branded XXXX credit card. I have never applied for the XXXX branded credit card, have informed Chase of as much ( via their customer service line, XXXX ) on numerous occasions, and have even changed my XXXX password. Nevertheless, there have been countless credit applications in my name ( reference numbers XXXX, XXXX, XXXX, XXXX, and XXXX ). Fortunately, in each event, the fraudsters guess of income to obligations has proven wrong and gotten the application denied. I reached out to Chase in XX/XX/XXXX to have them clear their credit inquiries from the credit agencies, which they did, and have repeatedly asked Chase to block any further XXXX credit card applications to no avail. As a result, I have had to place a credit freeze on my name. The fraudsters continue to seek approval from Chase with at least four applications within the last three months ( XXXX, XXXX, XXXX, and XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-10
Company: DISCOVER BANK
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
I applied for a loan with Discover to consolidate some debt at a favorable interest rate. My application was based on the credit scores I have received from Discover. I was denied ( credit score was quite different ). However the reason sighted and given over the phone does not matched up to the information I received from the company on a monthly basis. My expectation was that the loan should have been approved. Most of the reasons given were generic, especially since I had paid of the balance of most of my cards. I also have paid my debts on time for years and the only delinquency involved the company not receiving the payment on time due to nondelivery. Also, most of my accounts I have had for years. Again the credit score that was sent to me on a monthly basis. I believe the company is either misrepresenting the information it sends to their customers or illegally profiling due to location.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card
Issue: Advertising and marketing

Complaint:
XXXX XXXX offers a Mileage Plus Explorer credit card along with Chase Bank. The advertisement on the XXXX website says that if I apply for the card, receive the card and use it, I will receive a {$50.00} credit. I applied on the computer, received the credit card and used it, however, both XXXX and Chase refuse to give me the {$50.00} credit. There is no other condition cited on the website that I must comply with to receive the credit. I called twice and received a letter from Chase, but it makes no sense as to why they refuse to pay the credit to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: JPMORGAN CHASE & CO.
State: NV
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Mortgage loan number : XXXX To Whom It May Concern : We received a letter and a package from Chase dated XXXX XXXX, 2016. This letter addressed the application for mortgage assistance. As per our knowledge the borrowers XXXX XXXX and XXXX XXXX had not provided, not requested, not applied for a mortgage assistance. Therefore, Chase is not on any capacity to enter our loan into such program without borrowers consent. Chase and its subsidiaries are breaking the lending guidelines rules and regulations in regards to mortgage lending and assistance programs. 

The borrowers XXXX XXXX and XXXX XXXX sent a letter addressing the issues with Chase, loan servicing and escrow accounts assessed. The borrowers requested that Chase eliminate the current loan outstanding and release the lien in the property in question as a bargain of any lawsuit against Chase for malpractice and breach of contract. The borrowers had never requested mortgage assistance. 

All of these documentations will be submitted to the legal authorities if Chase does n't take the matter seriously and proceed as request for borrowers to release the lien against the property and eliminate the current loan outstanding as pay off. 

If this concern is not address within 30 days of this letter a legal matter will proceed against Chase and subsidiaries. 

Best regards, XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a credit card debt with Chase bank. I closed the account in XXXX XXXX after the interests rates were elevated to & gt ; 18 %. The debt was sold in XXXX to XXXX ( wrong amount stated ) In XXXX XXXX the law firm XXXX in XXXX Forida filed a suit ( past the 4 year statute of limitations ) for a default judgement stating XXXX of XXXX was the attorney to answer to .. very confusing. a week later I received a settlement offer from XXXX. ( I was in no position to make the payments asked ). In XXXX of XXXX now five years later- I had my wages garnished and on the garnishment it said-XXXX, as assignee of XXXX as assignee of Chase! Ultimately I had over XXXX dollars garnished for an old debt from Chase by XXXX.. that had been through 3 third party debt collectors --

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I tried to get late car payments off the credit report. From XXXX and XXXXXXXX XXXX XXXXXXXX was told they can't take them off.

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 2022-08-27
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Dear Equifax : I pulled my credit report and noticed that there are items that are not right. 

I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX The status date on this account is incorrect, please remove it. The date opened doesnt match the date opened on XXXX and XXXX. therefore I would like this account to be removed and cleared from my credit report. 

I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed. 

Sincerely, XXXX XXXX XXXX : XX/XX/XXXX * XXXX has already deleted the account due to the dates not matching.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: AmeriCollect
State: LA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX sent a bill that was not supposed to go to collections to Americollect. I informed Americollect via FAX, email, and paper mail that 1 ) I am disputing the fact that the bill had gone to collections with XXXX XXXX XXXX XXXX, 2 ) I wanted debt validation, and 3 ) I wanted them to cease any attempts to collect this debt. Americollect failed to respond to any of these requests. Furthermore, XXXX of their agents attempted to collect a debt by contacting me at my personal cell phone number at XXXX. I filed a complaint with XXXX and XXXX about this issue and Americollect sent the attached letter as a response. Yesterday, I received another debt collection letter from the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: VW Credit
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:
Company : XXXX XXXX XXXXXXXX. 
Vehicle:2017 XXXX XXXX XXXX XXXX : XXXX Account Type : Lease This account was opened under my name for a car I do not have. No authorization was given, nor was the car leased. I have tried contacting and disputing this wrongful credit line numerous times with the company, yet this has not been resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America told my wife and I that we had to be 90 days late on our mortgage in order to short sale our home. Therefore we, got behind on our mortgage and when the short sale was finally approved and we had an offer on the house it had been a year because Bank of America held it up so they could keep charging late fees and penalties. Now on top of having a short sale on my credit I have a years worth of late payments on my credit. Now I have poor credit and cant get another home loan right now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-28
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
the debt in question is not mine I was XXXX between XX/XX/XXXX to XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-21
Company: United Shore Financial Services, LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage payment with UWM and in XXXX XXXX paid the required XXXX into their escrow a account, I have paid faithfully every month. My property taxes and hazard insurance has been the same. FOR some reason I just received a statement saying I am short on on the amount in my escrow account and need to send them them {$140.00} because I do not have the required escrow of XXXX dollars. For XXXX and in the past it was the same nd it was never short. What happened this year? I have talked to them, but they do not give me an answer as to why it happened to be short this year. UWM is a division of United Shore Financial services.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: JPMORGAN CHASE & CO.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I have filed for Bankruptcy- and did what my lawyer said to let them know, since I told them I get called no stop all day and night from XXXX XXXX and Chase- Starts at XXXX and goes on all day. Even on Sunday When i do talk to them they said we can work out a payment plan but I tell them I have no job and no money thats why Im filing-then they tell me you can be put in jail and loose all rights, its got me so upset,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I have been back and forth with Transunion not reporting my true accurate credit report by continuing to report unauthorized inquiries on my credit file. This has been causing me stress and anxiety for several months. I have contacted the company regarding these unauthorized inquiries and have not heard back from them. Transunion is obviously refusing to help correct this problem. When I was first made aware of this issue I immediately had a fraud alert placed on my file but obviously this does not help either. The following unauthorized inquiries being reported are : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX  XX/XX/XXXX. Transunion is violating my rights by continuing to report these unauthorized inquiries and this is also an FCRA violation.. The only outcome is for Transunion to immediately delete these unauthorized inquiries and send me an updated corrected copy of my credit report with these deletions. Transunion is clearly not out to help the consumer. Also, I WILL NOT ACCEPT ANY OTHER RESPONSE OTHER THAN A DELETION OF THESE UNAUTHORIZED INQUIRIES. I DEMAND THAT TRANSUNION NOT BE ALLOWED TO MOCK THE CFPB 'S AUTHORITY AND VICTIMIZE ME BY IGNORING MY RIGHTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-18
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was laid off from my last job ( severance money ended XXXX XXXX ), I could not meet my mortgage payments to Wells Fargo and applied for a mortgage adjustment. For 2 years, I faithfully sent in all of the paperwork. Because I could not find another job, I applied for SS in XXXX XXXX when I turned XXXX. I kept sending all of the paperwork. The last thing they wanted was XXXX letter from Social Security stating the total amount they were giving me. I was {$1600.00} for me, and {$800.00} for my XXXX daughter and {$800.00} for my XXXX son. They insisted that I get XXXX award letter for all of us, or at least XXXX award letter combining the XXXX children. I went to the SS office in XXXX and they said that such a letter does not exist. SS did not understand why Wells Fargo could not add the numbers together from each benefits letter. I told XXXX XXXX the Wells Fargo rep, I was always friendly ) and he said his manager insisted on it and he 's trying to hold him back. We spoke on the phone with his manager. He was insistent and stubborn. Later he wanted to know if my children 's letter was for survivorship or XXXX. I told him that obviously it is not for survivorship and no one is XXXX. It 's only because I 'm collecting SS and have XXXX children under age XXXX. Nevertheless, I called SS and received letters for each child without the title " XXXX, XXXX and XXXX. '' Anyway I was able to receive benefit letters for each child without XXXX on top of the page, and uploaded it to the Wells Fargo modification website. The end-all, my application was dropped because I did not supply that form and only that form. XXXX XXXX XXXX confirmed this to me on the phone a few times, most recently XXXX XXXX or XXXX around XXXX XXXX. XXXX XXXX had initiated this call to me and said that I could reapply and submit all of the necessary paperwork. At that point I said that I am going to report him.

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 2015-07-02
Company: The CBE Group, Inc.
State: WI
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
I 'm XXXX, you used The CBE group to take my XXXX away to pay whatever. I used to live on {$XXXX} a month, you are taking {$300.00} away from My XXXX. I ca n't live on so little. Please forgive what you think I owe. I 'm dying. I sent XXXX letters of hardship, no one even looked at them. Is it ok, to kill me? Why do you have outside company 's like CBE and now another to do harm to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Someone broke into my wife car, stole her driver license. Then broke into someone else car and stole their checkbook. Then wrote a check for {$1900.00} to my wife. Then using my wife driver license, went to the bank and cash the check. When the check bounced, the bank took {$1900.00} from our account to cover the loss. 
When we contact the bank we were told that this is not a simple fraud case and that we need to WAIT 60 BUSINESSES days before they can determine a solution. Obviously, the teller that cash the check didnt follow the bank policy and didnt confirm that the person that were cashing the check was not my wife. We have a police report and we also contact the bank on the day that my wifes identity was stolen to cancel our credit cards, checks, etc.

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 2022-08-27
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: Account information incorrect

Complaint:
Dear XXXX : I pulled my credit report and noticed that there are items that are not right. 

I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX The status date on this account is incorrect, please remove it. The date opened doesnt match the date opened on XXXX and Experian. therefore I would like this account to be removed and cleared from my credit report. 

I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed. 

Sincerely, XXXX XXXX DOB : XX/XX/XXXX * XXXX has already deleted the account due to the dates not matching.

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 2022-05-23
Company: EQUIFAX, INC.
State: FL
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:
The credit bureaus stated my account was properly investigated but how is that possible if the open date is an accurate, the date last active is an accurate, and date last reported is not accurate. This is grounds for removal they also violated my rights under 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I sent my letter off on XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out. I have the tracking numbers which are : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. 

according to the FRCA the term " investigate consumer report '' means a consumer or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. According to the FRCA 15 USC 1681 everything has to be 100 % accurate. The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX {$320.00} XXXX XXXX XXXX {$110.00} XXXX XXXX {$6900.00} XXXX {$8900.00} XXXX {$1600.00}

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