BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-23
Company: JPMORGAN CHASE & CO.
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:
OnXX/XX/XXXX I worked with a rep. from Chase re. inaccuracies on credit card ending in XXXX.
<P/>
Chase reported that I was 'past due 90 days ' in XXXX, XXXX, and XX/XX/XXXX, according to an XXXX credit report pulled on same day ( refer to complaint # XXXX for credit report number ). The rep. reported that I had missed no payments for the months cited. In addition, she said that I was on a payment plan and " When on promised plan, no adverse reporting to credit bureaux if current on ( agreed ) payments ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: MRS BPO, LLC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
MRS has failed to remove disputed debt, it has been more than 30 days ago without verification of debt or communication from collection agency. XXXX XXXX XXXX another collection agency has removed debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-23
Company: R & B Corporation of Virginia
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
All amounts rounded to whole dollars. All dates 2021. In XXXX, XXXX overcharged my credit card {$18.00}. I authorized {$73.00}. They billed {$91.00} without authorization. They did the same thing in XXXX. XXXX. I closed my account XX/XX/XXXX and owe {$17.00} for 7 days. XXXX. XXXX owes me {$19.00}. They told XXXX XXXX XXXX That I owe {$100.00}. I dont care about the {$19.00}, but want them to correct what they told the debt collector and make it clear I owe nothing. Are you able and willing to help?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: FAIR COLLECTIONS & OUTSOURCING, 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: Account status incorrect

Complaint:
This account was paid and the collection company agreed to delete but years later the company has left this record open on my credit report to harm me. Please help me get this removed from my credit report because its harming my score and causing me to get higher rates on credit cards, increasing the likelihood of declined credit applications, and harming my ability to show credit worthiness to anyone who reviews my credit report and sees this collection record. This collection record was created due to a dispute with the apartment complex manager which was eventually settled, and even later on years after the collections was issued my family moved back to the complex, yet this collection blemish remains on my report.

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 2017-06-23
Company: Chaplain Financial Services LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I have received numerous phone calls from this company. Some of them have been robo-calls with a message saying that I will be " arrested at my workplace or home and removed from the premises '' if I do not return their call. Other calls have been voicemail messages from a woman basically saying the same thing that I will be arrested at my workplace. I have called them and all I get is either a weird beep and on two occasions I did leave messages asking for more information. I have not received any information as to what this matter pertains to, who I supposedly owe money to, amount owed, or any other information ( on one occassion they left reference # XXXX ). I do n't even know this company 's name. I XXXX the phone number that has called me most ( they use several phone numbers ) and the number is connected with a company called Chaplain Financial Services in Georgia, and I 've found that this is a scam and people are saying to block them and ignore them. I did just that - block them but they are still able to leave these threatening messages.
This morning I received a call at XXXX XXXX and they left a message saying that I would be arrested by Noon today at my workplace. I called them back at XXXX XXXX. and the call went to voicemail. I asked them to give me more information in writing and by mail - not phone. All they 've ever said is my name but they have never said what amount or to whom I supposedly owe this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: JPMORGAN CHASE & CO.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Chase/ JP Morgan has extended {$12000.00} credit Chase Sapphire Preferred on XX/XX/2020, They had also refused my extension of credit/closed my account & violated a consumer law XXXX Rules concerning extensions of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: BB&T CORPORATION
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit limit changed

Complaint:
On XX/XX/XXXX I applied to have my credit line reopened with BB & T, in the XXXX North Carolina branch. My credit line was suspended due to a drop in my credit score over 3 year plus years ago. I applied to have my credit line opened back up, due to my score has increased, also I have never missed a payment on this credit line or with any other product at this bank. I have also asked for a copy of my agreement with XXXX XXXX in the complaint department and have yet to receive a copy of the agreement as I had requested. I have concerns that I may be a victim of overt discrimination as the bank will not take into account my spouse 's income, and due to the fact I 'm now married. I also do n't believe I have been treated fairly as the Branch Manager told me it was not income related, but score driven. I also complied with all requests such as supplying two years tax returns, making a payment to my credit line and providing current check stubs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
About 6 years ago an old private student loan, for a vocational school, I had through Navient ( originally XXXX XXXX ) disappeared from my online account with them. I was told by customer service at Navient it was discharged after sending them documents to prove my father, one of the names on loan, had passed away. Navient hasnt attempted to contact me in any way since then, potentially because I filled for bankruptcy since then. To this day I have no record of a loan in my name on their website but on XX/XX/XXXX my credit report got hit with a 60 day late payment from Navient on a loan of {$7400.00}. Ive reached out to them by phone several times, sent documentation of the mark on my credit and can not get an answer from anyone there about this problem or even if the loan exists still. In fact Ive been hung up on virtually every time I call wasting hours of my time. Im unsure what to do about this. Ive been a student working to get my XXXX degree for the last 5 years and had no way of knowing if this debt wasnt discharged like I was told years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I opened up a new checking account and savings with Huntington bank today. They did not give me a temporary debit card IAM unable to pay my bills and draw out money. Once again a bank is ruining my life IAM about to get evicted because I can't draw out the money to pay my rent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 submitted a dispute for an item on my credit report stating I owe when I dont. The investigation was opened on XX/XX/2022 and still has not been resolved. 

Ive called multiple times and been placed on hold for extended periods of time without being able to state my concerns. 

I am unable to clear the other items on my report that transunion is incorrectly reporting, because only one dispute is able to be in progress at a time. 

This bureau is reflecting 75 % of my information inaccurately. I dont know if theres anything I can do to have them verify the information theyre presenting, aside from constant disputes, which are being extended beyond the period designated.

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 2022-03-10
Company: Experian Information Solutions Inc.
State: MA
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:
XXXX XXXX says they took off the 30 day late payment for XX/XX/XXXX now all of a sudden a 30 day late shows up for XX/XX/XXXX which was not there last week here in this dispute are the copys of last week credit report terrible how can this happen all of a sudden fix my credit

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 2021-05-05
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021, I contacted WELLS FARGO regarding a couple of transactions that were completed on my account ending in XXXX that was unauthorized by me, the first amount was for {$500.00} on XX/XX/2021 and the second on XX/XX/2021 in the amount of {$500.00} I call and filed a complaint and was told that these funds would be refunded back to my account in several days from the time of my complaint, however, it has been more than a week since I have filed my complaint and as of XX/XX/2021 I still haven't received my funds back into my account. I called them this morning regarding the fraudulent transactions and was given an unsatisfying conclusion to my case. it seems that WELL FARGO works alongside the people who are stealing my hard-earned funds and disregard me as a customer. WELLS FARGO does not protect their costomers.

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 2018-06-30
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
in XXXX I agreed to settle the outstanding amount owed by my late husband, I sent the check for {$5000.00}. and since then a debt collection agency calls 3 to 4 times a day leaving no message. The debt has been sent against my credit report as an overdue loan payment The company is One Main and the collection agency is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: American First Finance, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
American First Finance spoke to me on XX/XX/XXXX and XX/XX/XXXX. I told them that I couldn't afford to make my payment. They told me to call back when I could. They turned around and charged my bank account on both days without my authorization. They never told me that they would charge my card. They did and still kept harassing me. I have been called on the XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX POTENTIALLY NEGATIVE Balance INCORRECT XX/XX/XXXX XXXX XXXX POTENTIALLY NEGATIVE BALANCE REPORTED INCORRECT {$680.00} XX/XX/XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$550.00} Updated on XX/XX/XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$660.00} Updated on XX/XX/XXXXXXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$410.00} Updated on XX/XX/XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$440.00} Updated on XX/XX/XXXX XXXX  POTENTIALLY NEGATIVE Balance {$500.00} Updated on XX/XX/XXXX XXXX Balance STATUS IS INCORRECT XX/XX/XXXX XXXX  POTENTIALLY NEGATIVE Balance IS INCORRECT {$220.00} XX/XX/XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance INCORRECT {$990.00} XX/XX/XXXX XXXX XXXX XXXX Original creditor XXXX XXXXXXXX XXXX XXXX 
Balance {$590.00} Balance INCORRECT XX/XX/XXXX XXXX XXXX XXXX Original creditoXXXX XXXX XXXX  XXXX XXXX Balance {$520.00} Balance INCORRECT XX/XX/XXXX XXXX XXXX XXXX Original creditor XXXX XXXX INCORRECT {$370.00} XX/XX/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 2022-09-06
Company: Credit Karma, LLC
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:
My complaint is about Credit karma false telling me the im pre-approved and nothing multiple times in the last 4 years bringing ing my score down complaint ts are recently surging all over the internet

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Movement Mortgage LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Called the company multiple times since a payment was made from my end twice to my account. 

The company is Movement Mortgage I have asked for a refund multiple times for the amount of XXXX The company keeps diverting me to multiple people with no response Loan number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Experian Information Solutions Inc.
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-02-19
Company: SUNCOAST CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Someone somehow got information about my bank account and printed a fake check and photoshopped my full name onto it and attempted and successfully put it into my checking account, the bank saw that the check was fake and put negative XXXX dollars on my checking account and I don't want to pay that money because I didn't do it my banking account is also locked because the bank 's security locked it automatically and they cant undo it. I went to a police station, and they gave me a site to go to and that site led me here. 
Contact me at XXXX Suncoast Credit Union Florida XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Prepaid card
Sub-product: General purpose card
Issue: Adding money

Complaint:
On XX/XX/XXXX 2017, American Express made a decision to limit how I could add funds to my Bluebird prepaid debit card which I have used for direct deposit of my Social Security XXXX benefits for quite sometime. However, they failed to notify me of this adverse action until a letter dated XX/XX/XXXX, 2017. In this letter, they indicated that I was no longer able to have direct deposits added to my account due to " suspicious activity. '' I found out the hard way of this decision at the beginning of XXXX/end of XXXX when my XXXX benefits were not deposited as expected, and I called American Express to learn from a from a representative that this decision had been made on XX/XX/XXXX Apparently the representative was not supposed to inform of this decision. Having XXXX, I know that any adverse action by a bank requires an adverse action letter which I did not receive until after 30 days from the decision and action. This is a clear violation of banking regulations I was harmed by this action because I was UNABLE to get my XXXX as expected on XX/XX/XXXX, 2017. ( American Express is one of the issuers that deposits the benefits payments early. ) I did not receive my benefits payment into my XXXX account until the XX/XX/<YYYY>. 

American Express has been without remorse since this decision. This was a petty and nonsensical decision. How does limiting my ability to have direct deposits from the US government limit American Express 's exposure to suspicious activity? 

AMEX should not be allowed to behave in such a manner!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: AMERICAN EXPRESS COMPANY
State: CO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In XXXX 2016, Amex took out $ XXXX.+ unauthorized out of my account. I have been attempting to rectify this and obtain a refund since and have been unable to recover my funds. In this time, Amex has sent my account for collections and negatively affected my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-22
Company: Experian Information Solutions Inc.
State: MN
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 been receiving phone calls of harassment, profane and abusive language, death threats, threats of wage garnishment, threats of arrest and being sent to jail and prison for over 3 years from XXXX XXXX XXXX for a fraudulent auto loan account and debt thats not my account or debt. The account and debt is fraudulent and is the result of identity theft. XXXX XXXX XXXX is in infringement and complete violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and Minnesota State law.

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 2017-06-23
Company: BB&T CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
OnXX/XX/XXXX I was charged XXXX in overdraft fees, and then again onXX/XX/XXXX I was charged another XXXX in overdraft fees. At the time my other checking account I have with BBT had well over {$20000.00} in it. I also had requested over a year ago that my second checking account ( one with 20,000 + in it ) be linked to the checking account that received the over drafts. That was never done and I was charged XXXX in fees. This is very upsetting. And I have requested from BBT to refund them, and they have refused to. There is no reason I should have been charged these fees when I have plenty of money in their bank.

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 2020-04-23
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX To whom it may concern, I have already filed a Police Report I had some fraud on my report someone using my ID to open up fraudulent accounts and putting things in my name. Please see the FTC ID theft report. Please delete this fraudulent accounts at once : XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX never had this account or done any business with these companies.

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