BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-26
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had a chase checking account for more than XXXX years ( Account # : XXXX ). I got it activated again by visiting their branch in XXXX ( XXXX ). I submitted all the documents and signed the required SSN declaration too. To my surprise my account was closed without any notice and without any explanation. I had given my account details for my paycheck and now I 'm left without an account and denied of banking service. I 'm not sure why my account was closed and was it due to any kind of discrimination due to my first name. My contact details were intact and I even received account statement from chase in my postbox, which means my contacts are intact. I did n't receive any communication either via post/ email / sms from Bank regarding my account closure. I discovered my card didnt work and when I contacted customer support I was told it was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: EQUIFAX, INC.
State: PA
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:
I am writing to advise I have been a victim of identity theft for the following account XXXXXXXX XXXX XXXX XXXX XXXX hard inquiry. I did not authorize the use of my name or personal information to obtain credit loans, goods and or any other services pertaining to this report. I am requesting this fraudulent accounts be corrected as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Filed a dispute with XXXX on XX/XX/22 as I do not know anything of this collection. Per XXXX it is verified ... .in three days??? 

Phoned into company calling phone number listed on my credit profile, per conversation recorded at XXXX on XX/XX/22 they are unable to access my account to send me debt verification proof but they verified the debt that I disputed on XX/XX/22 .....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 applying for a credit card and being denied I decided to review my credit and was devastated to learn that my identity has been compromised and used for things that I have no knowledge of. I am angry to have learned this and would like this resolved as soon as possible.

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 2016-08-09
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
On or about XXXX XXXX I received a letter from Citi Cards Payment Investigations stating they could not identify my account requesting additional information. In that letter I was given a choice to either call the number on the back of my card or fill out the form they sent me and either fax or mail the completed form to Citi Cards - Payment Investigations XXXX XXXX XXXX, SD XXXX. I opted to call since that would be faster But when I called the customer service people that appeared to be friendly on the other end BUT did not seem to understand what to do and were not able to help me as it appeared they wanted me to make another payment. Customer service just told me what they thought I wanted to hear what ever that may be at the that time. So i mailed the form to the address by certified mail on XXXX/XXXX/2016 which was confirmed received on Friday XXXX/XXXX/2016. Since then I have called your customer service people almost daily for any type of updates to why my account was still not credited the {$400.00} that I sent Citi Cards on XXXX XXXX. 

Lets recap my position so that everyone is crystal clear : I Authorized and Scheduled a {$400.00} payment to Citi Card Using my credit unions Bill Pay ( A Free and secure and fast way to pay bills on line that I have been doing without any issue for over 10 Plus years with all my other bills like XXXX XXXX, XXXX XXXX XXXX, ETC .... ) ON XXXX/XXXX/16 ( Early ) for A bill ( Citi Cards ) That is not due until XXXX/XXXX/16 Bill Pay issued check # XXXX on XXXX XXXX for {$400.00}. on the check is my name, address and bottom left memo section states : NEW COSTCO CITI CARDS ACCOUNT # XXXX. Top left saids : POST TO ACCOUNT # XXXX. I followed all instructions like I do with every new account I add to Bill Pay and HAVE NEVER HAD ANY PROBLEMS. 
ON XXXX/XXXX/16 CHECK CLEARED MY BANK ACCOUNT. 
I get a letter from Citi Cards Investigations ( See enclosed ) Stating they could not identify my account! and sent me a copy Of the CHECK CITI CASHED, THAT CLEARED MY BANK, THAT CITI is EARNING INTEREST ON ( MINE AND THE THOUSANDS OF OTHERS ) While Citi Cards continues to CHARGE ME INTEREST, LATE FEES AND LATER COULD INCREASE MY INTEREST RATE, RUIN MY CREDIT HISTORY ETC, ETC ON ACCOUNT THEY SAY THEY CAN NOT FIND? BUT YET CITI CARDS WAS SMART ENOUGH TO KNOW WHERE TO SEND THAT LETTER, COPY OF THE CHECK AND EVERY TIME I CALLED CUSTOMER SERVICE THEY KNEW WHO I WAS BUT YET CITI CARDS COULD NOT IDENTIFY A CHECK THAT CLEARLY HAD MY ACCOUNT INFORMATION, NAME AND SO FORTH ON IT TO ISSUE ME PROPER CREDIT? 

Desired Resolution : TO BE MADE WHOLE. GET THE XXXX CREDIT TO MY ACCOUNT AND ANY AND ALL INTERESTED BACK DATED TO MY PAYMENT DATE OF XXXX/XXXX/16 ALONG WITH ANY FEES CREDITED TO MY ACCOUNT AND NO MORE ISSUES! PLUS XXXX MONEY FOR THE STRESS THIS HAS CAUSED ME AND MY FAMILY.

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 2017-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
There is an incorrect address on my credit report. It appears my address number and apt number were merged together

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 2022-05-18
Company: CITIBANK, N.A.
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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2022-08-29
Company: MoneySpot USA LLC DBA Sunshine Loans
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
XX/XX/XXXX I received a Notice of Adverse Action stating that I was turned down for a loan from Sunshine Loans. 
The letter was addressed to my maiden name and references an alleged loan number. I never applied for a loan. 
XX/XX/XXXX I called to discuss with the company and was told this letter was so that I could apply for a loan. I explained that I never applied and the person hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: CITIBANK, N.A.
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Complaint number XXXX has been closed but the lender Citibank has not provided any documents or dates when notice to cure was mailed. The bank has not provided any further information on these matters.

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 2020-08-09
Company: AES/PHEAA
State: NM
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:
Every time I was having difficulties making payments to this creditor I always communicated my issue and submitted the paperwork required for forbearance or deferment of payments for a period set by the creditor based off my circumstances. While this was often reflected on my credit report, there were few situations where the forbearance was not reported to the credit bureaus and instead was left on my credit report as 30, 60, 90,120 day lates or missed payments. 

I began submitting disputes with all three credit reporting agencies on numerous occasions beginning XX/XX/XXXX ( The day I first learned of this issue because was denied a job ) then I resubmitted my disputes to the credit bureaus every 4 months all the way through XXXX of XXXX. 

I employed a credit repair company in XXXX, at great expense, that also conducted credit disputes with all three credit reporting agencies regarding this account on my behalf through the year of XXXX ( Submitted on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. ) I wrote goodwill letters to the company Account Manager ( POC ), Regional manager and CEO requesting the changes be made to my payment history in good faith as I was paying what I could, whenever I could. As a XXXX  XXXX  Veteran of the XXXX XXXX, with the XXXX ( XXXX  and XXXX  ) I sustained during XXXX XXXX XXXX ( XXXX  ), I had difficulties in finding gainful employment the first few years after my return to civilian life which made fulfilling my student loan obligations impossible under the circumstances The company then changed internal policy to allow for issuance of retroactive forbearance on accounts, so I applied for the application of this policy to my missed payments and was told that my lates were ineligible. 

I PAID IN FULL and closed the account last year with the condition, and under verbal agreement that, once the account was paid off, the past disputes I submitted would be addressed and the late payments recorded on my account would be removed from my credit report. 

Now that the the account is closed and PAID IN FULL, I no longer have access to the digital correspondence between the company representatives and myself or the confirmation letters of forbearance/deferrment that I provided in order to confirm that the requested adjustments to my payment history are valid and to be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a letter to the company on XX/XX/XXXX and I did not receive a response from the company until XX/XX/XXXX via CFPB. Per FCRA, the company had 30 days from my written request date to verify information. The company also did not send a copy of a written contract bearing my signature, therefore they have also failed to verify this information. The statement they sent me shows an unknown address that is not associated with me which shows that it can be another person with the same name. The company has violated two important FCRA laws, if the company does not comply with CFPB I will also file a complaint to FTC and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: Experian Information Solutions Inc.
State: NY
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:
On XX/XX/2019 there was a few hard pulls made without my authorization. I believe this to be the car dealership. I never authorized the following inquiry pulls XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX 2x all on the date I mentioned earlier XX/XX/2019. There is also another inaccurate date and pull of XXXX  on XX/XX/2019. I have called XXXX, XXXX, experian in the past and they never updated this as they said they would. I never signed anything or gave anyone authorization to run my credit without my knowledge on all the above items.

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 2022-05-18
Company: Diversified Adjustment Service, Inc.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call dont say anything when I answer they hang up they dont leave messages. The calls are repeated if I dont answer. One day it was three or four in a day. They dont say who they are calling for and this harassment needs to stop

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: EQUIFAX, INC.
State: NJ
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:
Notified of hard inquiry placed on Equifax XX/XX/2020 by XXXX XXXX. Contacted XXXX immediately confirmation # XXXX. Received email confirming fraud from XXXX. Placed fraud alert on Equifax and also placed dispute XX/XX/2020. I was told by XXXX it could take up to 30 days to remove hard inquiry, 90 days by Equifax. I have no way to dispute online anymore because Equifax closed dispute. Last spoke to XXXX at Equifax on XX/XX/2020 XXXX # XXXX. I have a second email from XXXX XXXX XXXX XXXX dated XX/XX/2020 again confirming I did not attempt to open an account with them. 
My 2nd issue with Equifax is they have my current address and my previous address backwards.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-12
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I recently checked my credit report ( Eqiifax ) and noticed a problem in my personal information. In my address information, I checked the listing and noticed an inconsistency. 
" XXXX XXXX XXXX XXXX XXXX, NJ XXXX First Reported XX/XX/XXXXLast Reported XX/XX/XXXX '' I never lived in XXXX, nor do I plan on moving there. So I have good reason to suspect there is a potential identity theft going on. Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-18
Company: AES/PHEAA
State: PA
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 Account # XXXX, has violated my rights. 

15USC1681 Section 602 states I have the right to privacy.

15 USC1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit report as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On XXXX XXXX, XXXX, Chrysler Capital hired XXXX to repossess my XXXX Chrysler 300C, of which I had no balance to pay on and Chrysler Capital had no right to a lien on the vehicle. In XXXX XXXX, I filed chapter XXXX bankruptcy, Chrysler Capital did n't file a reaffirmation agreement, even after me calling XXXX times for them to send it to me to sign and file. In XXXX XXXX, the Bankruptcy was XXXX, which put me in a position of not being liable for any balance owed. Because Chrysler Capital did n't file the reaffirmation agreement before the bankruptcy XXXX. In XXXX XXXX I sent Chrysler Capital a restrictive endorsement in exchange for the Title to the vehicle. Chrysler Capital agreed to relinquish the right to the lien on the vehicle and send me the Title by cashing the check. So, XXXX. I am not responsible for any remaining balance on the vehicle. XXXX. Chrysler Capital accepted the money for exchange for the lien and Title of the vehicle. XXXX. Chrysler Capital hired XXXX XXXX to take my vehicle illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: GOLDMAN SACHS BANK USA
State: NJ
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/XXXX, we purchased an air ticket for {$640.00} from a travel agency XXXX using Apple Card issued by Goldman Sachs. The flight was canceled but the agency refused to refund the ticket. Following Goldman Sachs 's directions, I disputed the charge with Goldman Sachs several times ( dispute claims # XXXX, XXXX ), reasserted some of the claims, and provided emails from XXXX as evidence of the flight cancellation. 

All the disputes were denied without indications of the reason except for stating that I had the right to see the information that Goldman Sachs gathered to make the decision. I requested this information 3 times on the phone on XX/XX/XXXX, and XXXX, XXXX ( this time with the agent under the name of XXXX ) but have never received anything. 

I do not understand why I am supposed to pay for the service that was not delivered and why Goldman Sachs failed to supply me with the information they gathered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-18
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
after submitting a complaint with cfpb i received a a letter dated XX/XX/XXXX which i didnt receive until the first week of XXXX. during this time i started receiving calls from XXXX XXXX. he would call around XXXX XXXX whike i was at work> i wasnt able to return her call until XXXX XXXX XXXX  but it would go to voicemmail so i left a message. the letter finally came so i contacted XXXX about accepting the payment option so i sent the amount on for XXXX first. phh cashed my check no guestion. so XXXX XXXX i sent the next payment. i never received anything until XX/XX/XXXX. i received a letter that they would not be cashing my check and they would be sending forclosure information to their attorney.why would they cash the XXXX check if they would not follow thru with it. also in XXXX the insurance company that insures my house sent me a notice that our police would be cancelled. i immediately got new insurance and then 3 weeks later i received another ketter from the insurance company that phh paid the bill so i now had my policy reinstated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I am writing this to get a fraudulent account deleted from my credit history that I did not consent to. I am not sure how or when it was used but I was like this to be resolved as soon as possible.

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 2016-02-22
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Savings account
Issue: Using a debit or ATM card

Complaint:
I have been a victim of a fraud and identity theft. The transactions were unauthorized and JP Morgan refuses to refund my own money. 

My Chase Atm card was used it in my name for the amount {$9300.00} without my authorization or consent. When I realized I called Chase immediately and open a claim with the Fraud Department. In the letter they sent me they said I authorized the transactions. I never authorized the transactions, gave the pin or join the account with the suspect or individual that did this federal crime. I went to the XXXX police department and filed a police report and when the report was ready I sent a certified mail to Chase with a return receipt and on all my communication with them, they refused to refund my stolen funds. 

I explained I was a victim of fraud and I asked the bank to open the claim, investigate and prosecute the individual who stole my funds. I want to solve this with the bank before I take further action. I 'm already in communication with any organization that can help me, again I have been victimized by this theft. The funds were taking from my account generating high fees when I thought my money was secure with Chase that did n't act in my best interest protecting my money or sending any message about suspicious activity in my account and they did n't flag my account for suspicious activity once the cash withdrawal commenced. I informed the bank immediately within the XXXX business notification window. 

I have two police reports. The police already know the name of the suspect. This is a federal crime in which I have been a victim of Identity Theft and Fraud and should be prosecuted by the law and my money should be refunded immediately before I go to media. 

I informed the FBI, the State Attorney and all the organizations that can help me to get my money back. I want justice and the person who did it to be in jail. 

Chase is giving all the excuses not to refund my stolen and unauthorized transactions and the fees. This money was transferred by Chase without my authorization to my checking account and put it to the disposition of the scammer. Chase did n't flag my account even when these transactions were unusual. 

This is a federal crime that should be prosecuted it and I do n't have to pay for this criminal action against me.

Company response to consumer: Closed with explanation