BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-16
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I keep getting the same response that is lies. I have an email that they applied to my credit and the resolution is false. They are not doing what they say and I keep getting the same generic email. This is not a duplicate issue, the issue is never addressed and their resolution is false. Please review my credit and you will see it is open. Once again, I pay all my bills and I have no idea what the debt is for and why it is there. I am tired of these unethical practices. Saying your following the FDCPA and disputing when you just reported again on XXXX is not accurate and a false statement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX, XXXX I received a notice of withdrawal of the dedicated single point of contact ( SPOC ) from Bank of America of XXXX XXXX, XXXX. Since no written determination has been provided to me on appeal, I am considered pending in the modification process and the modification process is incomplete to date. Therefore, as a matter of law, a dedicated single point of contact is required to be assigned during the entire loss mitigation process. It is not acceptable to remove the SPOC ten ( 10 ) days prior to the Trustee 's Sale at auction, especially when that sale is improper. It should also be noted that this latest assigned SPOC, XXXX XXXX, had only been assigned for one week ( 7 days ) from the date of the notice of withdrawal of the dedicated SPOC. And this after my repeated requests to have XXXX XXXX removed as the SPOC without any acknowledgement that my request was considered. All I was told by Bank of America representatives was that it is not required I be allowed to pick and choose the SPOC. Just to be clear, I never requested to choose the SPOC. I did request any assigned SPOC be competent and knowledgeable of loss mitigation processes, as XXXX XXXX was not and it appears she was the SPOC responsible for forwarding the account to foreclosure, and improperly so. 
Upon confirmation of receipt of both of my requests for mortgage assistance ( RMAs ) of XXXX XXXX and XXXX XXXX, Bank of America has done everything to separate me from my home rather than actually offer mortgage assistance as required and in accordance with the agreed upon court ordered terms of the National Mortgage Settlement ( NMS ). Bank of America continues to refuse to correct errors made known to them during the loss mitigation process. 

All previously mentioned resolutions for the injury and harm caused are desired and mandatory. 

I did not default on Bank of America XXXX Bank of America defaulted on 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 2022-07-22
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Citibank call center is so useless that I dont see another option but to use cfpb platform to fix issues. On XXXX XXXX XXXX XXXX has sent a balance transfer check to citi bank valued at {$7800.00}. The check is not reflecting in my account. As usual, citibank phone operators they do not know nothing about it, those operators never know anything, all they know is to give misleading information regarding disputes. XXXX XXXX XXXX has confirmed me they have sent the check to XXXX XXXX XXXX XXXX Arizona XXXX I think citi bank received the check but deliberately not applying the check to my account so you can charge me interest?

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 2021-10-04
Company: DISCOVER BANK
State: MA
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:
Discover Card reported a 1099 C to the Internal Revenue Service for the whole charged off balance on the account. Discover DID NOT send me a copy of the 1099 C.

Discover card should be reporting closed and a XXXX  balance as a result of issuing the 1099 C.

The 1099 C was issued XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to

correct my credit report. I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Conduent Incorporated
State: CO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I did not request this XXXX card and immediately requested cancellation and account closure in XX/XX/XXXX ( see attached ). 

Nothing happened so I requested account closure again in XX/XX/XXXX ( see attached ). 

In XX/XX/XXXX I received another letter with the account still open and showing a {$0.00} amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
XXXX appears to be one of the main co-conspirators in the huge RACKETEERING CASE that was given the go ahead to proceed against XXXX and nasty old Bank of America. I have been trying to get the CFPB to do something about this for OVER FIVE YEARS and not even a reply and attempt to help!!! 
I know our very own government is in on all this and that is why the CFPB, OIG, USDOJ and so many others refuse to see the light and take action on behalf of millions of property owners like me who have been totally taken advantage of with wrongful foreclosures and contninue threats and demands regarding phony, forged, fabricated, even " robo-signed '' documents!! 
I hope the new administration will put an end to all this and finally do the right thing. Most people know that XXXX has been acting in a false and misrepreseting way knowing full well that XXXX and XXXX were taken over by our own government in the FHAF and GES that took over these private companies back in XX/XX/2008.

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 2022-04-18
Company: Experian Information Solutions Inc.
State: IN
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 sent certified letters to all parties on XXXX XXXX and previously before that when I finally check my credit report I noticed that they was reporting Accuracy information on my credit report that is hurting my credit. I sent this letter stating. 

I have never signed a hippa relive form authorizing them to place this on my credit report. ledge XXXX XXXX {$4100.00}. XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX . XXXX XXXX. The XXXX bureaus are reporting inaccurate information the errors on my report are different from each bureau Therefore these are inaccurate and are HIPAA violations.And I want these immediately deleted. HIPAA laws protect my personal medical information from being used without my consent and you are now a where of these HIPAA violations deleted immediately.

And auto loan inaccuracy 15 U.S.C1681b ( a ) 2 law violations And still they not removed Also not to mention XXXX XXXX  amount on my credit report is inaccurate as well

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 2022-04-18
Company: Experian Information Solutions Inc.
State: AL
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 act. 
The list of accounts the list below has violated my federally protected consumer rights to privacy and confidentialality under 15 usc 1681. 
XXXX has violated my rights 15 usc 1681section 602 A. 
15 usc 1681section 2.

15 usc 1681c. ( a ) ( 5 ) 15 usc 1681s-2 ( A ) ( 1 ) All have been violated against me thats fair in 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 explanation
Consumer complaint received 2015-10-26
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have been getting hit with overdraft fees for the last three weeks but this weekend I got charged an auto loan payment that is usually due on the XXXX two days prior from its original withdrawal date causing my account to go into negative numbers. This has made me raise suspicion about the motives behind the transaction. I was not expecting the transaction that early so I did not have the funds available to meet the amount that was withdraw causing me to pay overdraft fees for big and small charges. I think it is very unfair how banks treat their costumers. I have tried getting those charges waived but the bank limits to only XXXX waived fees per 12 months. I think the creation of " pending transactions '' should be illegal and I also think banks should not limit the amount of waived overdraft fees to just XXXX. What about unfair transactions after those XXXX waived fees? My auto loan has always been withdraw at the XXXX of every month except last month and that is very strange and extremely unfair. I think the banks are still implementing illegal tactics and are still picking on low income costumers to create overdraft fees surges. Those practices should not be tolerated by regular people trying to make a living. I have already paid too much money on overdraft fees this month for small things like food and gas. Money that could have been better put to use on other things that are essential to everyday life.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-29
Company: JPMORGAN CHASE & CO.
State: DC
Product: Credit card
Issue: APR or interest rate

Complaint:
Received a mailer today from Chase informing me of a change of terms, including an increase of apr starting XXXX/XXXX/15. Not only is this less than 45 days of notice, the apr will apply to purchases made after XXXX/XXXX/15, making the change retroactive to purchase prior to the notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 ( Inquiry date XX/XX/XXXX ) has violated my rights CXXXX XXXX XXXX ( inquiry date XX/XX/XXXX ) XXXX XXXX ( inquiry date XX/XX/XXXX ) XXXX XXXX XXXX ( inquiry date XX/XX/XXXX ) XXXX XXXX XXXX  ( inquiry date XX/XX/XXXX ) XXXX XXXX  ( inquiry date XX/XX/XXXX ) 15 USC 1681 Section 602 A states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without written consent.

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 2016-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
A Merged Infile Credit Report has continued since XXXX 2010 to show that the Bank of America reports late payments of 30 days on a loan that was paid to them in full in XXXX 2010 and has has not existed since. There is no late payment, and the loan was paid in full. As a result of this, in spite of excellent credit, we have been unable to finance our home at the prevailing low interest rates.

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 2015-09-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
I wanted to transfer {$73000.00} XXXX to my dad 's bank account in XXXX from XXXX. I went to the JP Morgan Chase branch and gave them the instructions printed from the receiving banks website ( XXXX Bank ), which are also attached with this complaint. The money was suppose to go through XXXX Bank XXXX. Transfer was done on XXXX XXXX. The money did not get transferred by the XXXX so I kept calling JP Morgan Chase to find out what was going on ... they kep saying I have to wait for 5 business days. Finally on the XXXX XXXX they said it was rejected by XXXX bank in XXXX for insufficient credit details. I requested the money to be refunded back. Since the XXXX I have been requesting my money back and they reply to me saying XXXX bank is not responding to their request for returning the money. Today is the XXXX of XXXX and my money is still not returned to it. JP Morgan Chase is not escalating the issue with XXXX Bank and I do n't know what else to do to get my money returned back to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-15
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
On XXXX XXXX, 2016, I received from Amazon.com & partner Chase, an unsolicited " Amazon Rewards VISA '' credit card. As shown in the uploaded pdf files, this unlawfully issued card had a credit limit of {$6500.00}. I shredded it immediately and called Amazon customer service, who in turn referred me to Chase security. According to them, my personal information was used by a " 3rd party '' to request the credit card. However, neither was willing to show me any proof of the information used by this so-called " 3rd party ''. For example, they said the personal information included the answer to my security question asking for my mother 's maiden name. I asked what the so-called 3rd party 's answer was to that question and they could only say that it was " my name '', which is not the established correct answer to that security question. I told each that they should be able to provide me all information used to open a credit card in my name, but they were not able ( or not willing ) to provide me any proof that it was not they who issued this unsolicited credit card. Moreover, I told them that the card came to my address, rather than the address or post office box of a so-called 3rd party ... a fact that makes no sense when a 3rd party had nothing to gain by sending the card to my address. I then contacted XXXX of the XXXX credit reporting agencies, which shared my fraud alert with the other XXXX credit reporting agencies. Each of them provided confirmation of the alert. 
The XXXX document in the uploaded pdf file, shows another instance of Amazon.com and Chase issuing an unsolicited Amazon Rewards VISA for a credit limit of {$5000.00} to another consumer. Finally, the third document in the uploaded pdf file, is the XXXX XXXX CEO 's recent admission that XXXX had also been issuing unsolicited credit cards and other services. Perhaps this was an Amazon/Chase attempt to keep up with their XXXX competition. 
I am requesting that the CFPB require Amazon and Chase to provide to the CFPB, and to me, all information use in requesting and issuing this unsolicited credit card, in a sincere and good-faith effort to convince me that they issued this credit card based on information provided in a request by a 3rd party!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.

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 2022-04-18
Company: EQUIFAX, INC.
State: AL
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 ( Inquiry date XX/XX/XXXX ) has violated my rights XXXX XXXX XXXX ( inquiry date XX/XX/XXXX ) XXXX XXXX ( inquiry date XX/XX/XXXX ) XXXX XXXX XXXX ( inquiry date XX/XX/XXXX ) XXXX XXXX XXXX ( inquiry date XX/XX/XXXX ) XXXX XXXX ( inquiry date XX/XX/XXXX ) 15 USC 1681 Section 602 A states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12
Company: Asset Management Outsourcing, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A debt sent to collections that belongs to my father is being inaccurately reported as my own. My father and I have the same name and address. They are constantly reporting the debt as mine and ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: Experian Information Solutions Inc.
State: MI
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:
Experian did not investigate my original complaint Experian just sent the complaint to the furnisher as usually. 
Experian investigation includes the ARM Rule for furnishers : Collection Agency must have a Creditor Code which is not listed.

Collection Agency must report a contract there is no XXXX contract reported. 
Collection Agency must report Full Monthly File which is not presented. 
Experian under the Fair Credit Reporting Act must verify the accuracy of the furnisher like all the above and XXXX XXXX XXXX does not have an license to Collect in Michigan and other states. 
I have sent Experian a copy of the XXXX stating that the only one who is reporting XXXX  as an debit is XXXX XXXX XXXX and Experian. XXXX   states I do not have an account with XXXX .Remove this account immediately and return my 20 point credit score. 
This is an fraudulent Collection Agency Experian let on my credit report without verify the furnisher.

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 2022-07-22
Company: Experian Information Solutions Inc.
State: MO
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 XXXX XXXX Account # XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1666b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 

DATES : XX/XX/XXXX & XX/XX/XXXX Remove late payments XX/XX/XXXX & XX/XX/XXXX. XXXX Account # XXXX XXXX XXXX XXXX

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 2015-11-11
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
Bank : ChaseLoan # XXXXIssue : Paid fee {$380.00} for extension of rate locking period by 15 days. To approve the loan, Chase was responsible to obtain some documents but Chase took more time to get these documents. There was no delay from my side. To meet contract agreement dead line, I was advised to pay the fee and request Chase to reimburse the fee but no response from Chase

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: Consumer Adjustment Company Incorporated
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX RETURNED CHECK TRYING TO COLLECT AGAIN HAD SAME ISSUE LAST MONTH I BELIEVE IT WAS RESOLVED XXXX DOLARS

Company response to consumer: Closed with explanation