BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My claim was denied & case was closed with no valid reason. I was a victim of fraud and my information ( debit card ) was skimmed and copied including my PIN number. 
I initially opened the claim over the phone on XX/XX/2018 the instant I received the alert of my checking account with Chase being below the threshold alert set. I then logged onto my account and saw that my account had various fraudulent transactions of funds being withdrawn at a local Chase Branch in XXXX, CA where I reside. After totaling up the amounts I was at a loss of {$1000.00} and overdraft protection transfer from my savings account. Once the claim department opened my claim, I was advised to go in person to the nearest branch, to have some paperwork sent to them and for them to fax over to them. I was out of town at the time of the incident, nearly 300 miles away from home, where these withdrawals were made on XX/XX/2018 on XXXX XXXX XXXX Chase branch. I went to the Branch in XXXX, Ca and I have proof of my whereabouts as I have receipt of the XXXX ride I used to transport me to the Branch located on XXXX XXXX XXXX. 
I have complied with all the documents, and closely have been monitoring this claim. To my surprise it was denied and closed and was told over the phone there was nothing else I could about it at this point. I find it unfair that the FDIC is not covering my loss over fraudulent activity, and I am hoping I get my money reimbursed into my account as quickly as possible. It has been 5 business days since the incident, and nothing has been done in my favor but rather I am getting the run-around all over within the branches and over the phone. 
As a customer, I hope something is done to resolve my problem and find a resolution. I have filed a police report, as I am not the only customer who this has happened to this past weekend. Numerous complaints/claims have been opened as there is a fraudulent skimming ring happening in my city, and I am sure that Chase is aware of this situation. If this is not resolved in a timely manner, I will then have to find an alternative route to have this matter resolved. 
I can not be waiting around for long, as I do have bills and cost of living expenses that need to be taken care of and it is unfair I am not getting a provisional credit while the investigation is being made. I do understand that these things take time to investigate, but at this point I am seeking immediate help to get this case taken care of and have the money placed back into my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-08
Company: JPMORGAN CHASE & CO.
State: NY
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:
On XX/XX/2021 a transaction of XXXX was charged on my Chase credit card by an unknown person. I filed a complaint first with Chase bank with their Claims department. They reversed the transaction when we filed the claim but later counted it again when they said that this transaction was made with the physical chipped card and so denied this charge. I later learned that our card was most likely stolen from our mailbox because we never received it. The building where our business was located sent us an email saying our mailbox is compromised and that we should take our mail before nightfall daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Was told on previous correspondance I was approved for income based repayment. Then asked to complete an app again. They then asked for pay stubs despite certifying through IRs and my last tax return, and I complied. After completing the second application I was told I was approved and had to pay a new amount eventhough salary had not changed last year. Then I got correspondance today saying my app that was electronically filed is missing a signature. And they are also asking for pay stubs again. Eventhough I was approved and told to pay the new amount in XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: Westlake Services, LLC
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
a lawsuit was filed against me in a state i never lived in and never signed paperwork in i was married it was in our divorce decree that ex was to take over all debts on auto and refinance ex did not do that, the XXXX XXXX XXXX hired a attorneys in Ohio to handle the loan debt, the Law firm filed a suit on me with a false address In OH In XX/XX/2020 the law firm used an address that i never lived at nor that i know of, I have lived in Indiana for XXXX yrs. I was never served.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The below info relates to CITI Bank ; Date : XX/XX/2019 * Issue : Credit Card Payment Allocation Methodology. 

- The bank is allocating the payment funds to the lowest APR segment instead of the highest APR segment so that they can maximize their profits. Further, the bank is not giving the option to the customer to decide where to allocate the payment funds ( which should go to the highest APR segment by default ) so that the customer is able to first liquidate the segment with the highest APR rate, and thus, save money on interest fees.

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 2022-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 do not recognize the inquiries on my credit report. An I would like for them to be Deleted asap. Cause its hinging my credit and my life

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 2021-04-21
Company: NAVY FEDERAL CREDIT UNION
State: WA
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 have already paid for the balance of {$1800.00} still showing on the various credit bureaux on XX/XX/3021. I contacted the Navy Federal Credit Union to update the credit bureau but to my dismay nothing has been done. This is indeed affecting my mortgage rate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: Bay Area Receivables, Inc
State: VA
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 have XXXX XXXX on my Credit report when I had medical insurance from my job and they charged me every visit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Capital one has charged off an alleged debt they claim I owe which they received a tax deduction for. They are now double dipping by and violating my consumer rights by pursuing unlawful legal actions for the alleged amount of {$2000.00}. They also sold the alleged debt to a debt collector firm XXXX XXXXXXXX XXXX XXXX, who is also falsely misrepresenting themselves as an attorney for Capital one. When they have stated they are debt collectors multiple times.These false claims are violations of FDCPA, FCRA, GRAMM LEACH BLILEY ACT, & FLASE CLAIMS ACT against the United States.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
XX/XX/XXXX - I canceled Amex XXXX Platinum card. My account has been in good standing before that. As shown in the attached screenshot, the agent didn't notify my any reward removal consequence. 
XX/XX/XXXX - Amex removed XXXX reward points from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: Tribal Lending Enterprise, Inc.
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/XXXX I wanted to pay the principal the woman I spoke to said I would receive a confirmation email and I got nothing

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 2023-08-22
Company: EQUIFAX, INC.
State: CA
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'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXXXXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
On XX/XX/2020, a letter was sent regarding inaccurate and unknown information on my credit report. To this day it has been beyond the allotted legal time and I have not received a response. I feel I am being disregarded, taken advantage of and ignored. 
According to section 611 ( a ) it plainly states that, failure to investigate said items in allotted time gives immediate reason to remove from credit profile. It has been well past the allotted legal time. These items should be removed immediately. So, I am now demanding these accounts be deleted and have my Credit profile updated reflecting such. I am seeking alternative remedies such as litigation for the stress being caused as a result of this misleading information and inaccuracies on my profile. Due to the XXXX data breach, I also believe my information has or may be in the hands of the wrong people or persons. 

Thank you for your due diligence.

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 2022-07-03
Company: MERCHANTS ADJUSTMENT SERVICE, INC.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
repeated attempts via certified letters disputing this medical collection asking XXXX, XXXX to remove medical collections from my credit report with no success. 
XXXX Merchants Adjustment : # XXXX XXXX XXXX XXXX XXXX XXXX. Loan Type- collection agency/attorney : Balance {$1.00}, XXXX XXXX- Merchants Adjustment XXXX # XXXX XXXX XXXX XXXX XXXX XXXX. Loan Type- Collection agency/attorney : Balance {$1100.00} in accordance with the Fair Credit Reporting act Concerning Account # XXXX, has violated my rights 15 U.S.C. 1681 Section 602 A ; States that I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : states that a consumer reporting agency can not furnish an account without my written consent or instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have sent maybe 6 disputes to transunion about one collection on my credit and that collection open date is correct because the orginal creditor ( XXXX ) who I opened the account with on XX/XX/XXXX sold it to another collection agency ( XXXX XXXX XXXX ) and they changed the open date to XX/XX/XXXX and had a open balance and this debt is not new as they try to make it seem. I have disputed with XXXX and they have removed this error on my report but transunion will not remove this

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 2018-05-25
Company: CORELOGIC INC
State: TX
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 spoke with them and some of the companies had no knowledge of no account being open.

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 2022-09-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Debt collection company continuous report/ increase my debt to credit bureau monthly by a {$1.00} to damage my credit. I believe its predatory collection practices and need to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: EQUIFAX, INC.
State: MS
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:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-07-03
Company: Colony Brands, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX, I had purchased a XXXX  XXXX XXXX in 2015 it didnt work I called the company and they said they would send me a new one. I received the new one and XXXX XXXX said to send the old one back .After receiving the second one that one didnt work either .So I called they said to send them both back I did .Since I have been tring to fix my credit I have seen this same charge on my credit report which is affecting me from tring to rent somewhere else. Please remove this thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: EQUIFAX, INC.
State: NC
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 list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX # XXXX, has violated my rights. XXXX. XXXX, XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have right to privacy. 15 U.S.C 1681 section 2 : it also 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-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation