BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-16
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
My husband has had a Chase Mileage Plus credit card for years. Now, he has XXXX and is in a XXXX XXXX XXXX. I am the spouse and have a XXXX. All is in order on our side. 
XXXX/XXXX/2016 Account is completely paid off, including a small amount of interest that somehow went into the next cycle. 
XXXX/XXXX/2016 I called XXXX ( published by their website for " closing the account ''. I spoke with XXXX who said they need the XXXX. 
XXXX/XXXX/2016 I faxed the XXXX from our landline ( XXXX ) successfully. 
XXXX/XXXX/2016 I called XXXX again and XXXX confirmed that they have the XXXX. XXXX " closed the account '' and said the Close Letter I requested should reach us in " 7-10 days ''. 
XXXX/XXXX/2016 I received an arrogant letter saying they " require more information '' specifically wanting my address and referring to me as an " agent '' on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I filed for a bankruptcy, I kept the house and the cars, I filed for a loan modification with chase bank, I was making payments everything was on time. 
All of sudden chase bank sent me papers to and asked for more information. 
I sent in all the information with supporting documents. 
To my surprise, chase sold my mortgage to a different companyNow the new company sent me documents almost doubled my mortgage with noexplanation. 
I was already having problem making the payment I was making with chaseneed help asapthanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Hello, I 'm a small business owner who is a reseller of business telephone equipment and services and installation. On XXXX XXXX 2016 I sold and installed a telephone system for XXXX XXXX Attorney at Law. We had also sold her service " XXXX XXXX XXXX on a separate month to month invoice. She then opted out of the service agreement 2 days prior to port and decided to go with another vender. But was still using the equipment that was installed. Suddenly On XXXX XXXX I received a reversal payment of {$2000.00} fro my merchant provider XXXX. We do not offer a return policy for equipment after 30 days. I have proved the installation, the delivery of purchased equipment to XXXX, and I 'm limited to information that they will provided, the other BANK which I have learned is Chase is contributing to FRIENDLY FRAUD and ABUSE OF POWER. I 'm asking for a FEDERAL AGENCY to INVESTIGATE as I 'm out of the PURCHASED TELEPHONE EQUIPMENT and the LABOR of INSTALLATION and the REVERSED FEES. XXXX will not provide me information about this transaction nor will CHASE. I feel as if I 'm a victim of FRIENDLY FRAUD and ABUSE OF POWER from XXXX BANKS and an ATTORNEY XXXX XXXX Transaction ID : XXXX Authorization XXXX ID : XXXX {$2100.00} USD

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: TD BANK US HOLDING COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/2020 I made a XXXX payment. Either target or I selected and inactive bank account. It was returned. Target froze the account and removed automatic payments without my knowledge. This resulted in a missed payment in XXXX which I only found out when I ran my credit report. I called and and asked what happened.They said that their system did not present the wrong account and that they mailed a notice. The problem is that mail was not being delivered due to Covid. I have been their customer for many years and have never missed a payment. I have since payed the entire account. This seems wrong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-15
Company: Choice Recovery, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2020 I sent Choice Recovery a letter by certified mail in regards to a debt appearing on my credit report sum of {$170.00}. The letter outlined a resolution to supposed debt and a requirement of validation. Attached is the letter and also the signature with the date received by Choice recovery of XXXX. Choice Recovery has not responded. The continue to update this supposed debt on my credit report without providing validation or solution. Shady group. Consumer advocate needed for people dealing with this bogus and shady debt collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12
Company: Experian Information Solutions Inc.
State: MI
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 became XXXX from an XXXX in XXXX of XXXX and had to obtain several in-home XXXX for XXXX  months. My XXXX  and my sister was tending to my financial affairs until XX/XX/XXXX and at that time I took back control of my finances. I discovered at that time that my credit had been fraudulently exploited and my identity had been used to obtain several unauthorized accounts. I have reported the illegal use of my credit and my stolen identity to local law enforcements as a result.

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 2020-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Despite both contacting furnicher, XXXX  XXXX XXXX XXXX, and credit reporting agencies, XXXX   and TransUnion, the credit reports continues to erroneously state individual responsibility rather than joint responsibility. Initially, XXXX  XXXX XXXX XXXX ( XXXX ) in XX/XX/2020, told me that they furnished the account as a joint account as confirmed by the statement : " XXXX XXXX XXXX '' and " XXXX XXXX XXXX '' at XXXX XXXX XXXX XXXX MI XXXX '' - which should be " XXXX '' rather than " XXXX '' It is not on her credit report. As far as my XXXX  credit report, I contacted XXXX  on XX/XX/2020 by US mail. XXXX  responded via report XXXX for XX/XX/XXXX, reputes what XXXX  XXXX XXXX XXXX told me earlier in the month. The same thing happened with TransUnion in a less specific manner in that it continues to list the responsibility as an individual account rather than a joint account. 
Niether of these credit reporting agencies is correctly stating joint responsibility for this joint account ending in XXXX, nor is either credit reporting agency reporting whatsoever my wife 's individual or joint responsibility for this account we share since about a year ago. Fix it now!

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 2020-08-15
Company: Experian Information Solutions Inc.
State: IL
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 disputed an inaccurate, unverified, erroneous, & fraudulent account that i found on my credit report. Accounts were updated as opposed to being deleted. I believe this inaccurate information is a defamation of my character and has hindered me from obtaining credit and or has caused me to pay high interest rates. 

ACCOUNT : XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX ACCOUNT : XXXX ACCOUNT : XXXX XXXX XXXX   ACCOUNT : 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 non-monetary relief
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: IL
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 
2. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
3. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
My identity has been compromised and there's accounts reporting on my credit file inwhich I have absolutely no knowledge. Therefore, I'm demanding that these accounts be blocked and removed immediately. If you or your company do not then please show physical cause why you still reporting these unauthorized accounts. Please remove immediately these accounts. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXX {$1700.00} 3 ) XXXX XXXX XXXX XXXX {$3100.00} 4 ) XXXX XXXX XXXX 5 ) 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 2022-02-26
Company: Experian Information Solutions Inc.
State: GA
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 a victim of Identity Theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, all has Fraudulent accounts on my credit profile that needs to be removed immediately.

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 2020-01-12
Company: Experian Information Solutions Inc.
State: MO
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:
My identity has been compromised and there's accounts reporting on my credit file inwhich I have absolutely no knowledge. Therefore, I'm demanding that these accounts be blocked and removed immediately. If you or your company do not then please show physical cause why you still reporting these unauthorized accounts. Please remove immediately these accounts. 

1 ) XXXX XXXX XXXX 2 ) US Dept of Education {$1700.00} 3 ) US Dept of Education {$3100.00} 4 ) XXXX XXXX XXXX 5 ) 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 2017-04-25
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Per my   XXXX  credit report, CITIBANK NA performed a hard inquiry on   XXXX   XXXX  , 2016. I did not apply for any sort of credit card through CITIBANK.

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 2020-08-15
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This was put on my credit report without any proof that it's mine. Company sent no information to me they just put it on my report and I don't know what it is. I sent a certified letter on XX/XX/2020 and XX/XX/2020 and many more before that and I have gotten no response. I called the number I found online and was hung up on on. It's been close to a year of more since I have been disputing this debt with no response. I think they are also leaving me threatening messages from unknown numbers about taking me to jail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I went through a divorce several years ago and requested a home loan modification through Bank of America. Bank of America refused to get back to me on several occasions causing the process to take a year, destroying my credit in the process. Only when they got the foreclosure judgment and sent it to sheriff sale did they process it correctly and I paid on time for over a year. We decided to sell the home in 2015 and listed it for sale. After about 75 days, we received an offer and accepted. We promptly got an apartment, paid a deposit and signed a lease. We moved into the new apartment about 5 days before closing. As we were preparing for closing, it was discovered by the purchasing lender ( unknown to me ) that Bank of America had sold our overdue principal to HUD. This required us to sell our home for over {$150000.00} to break even. The house only appraised at around {$120000.00} because there have been so many foreclosures in our area. I contacted Bank of America to determine what we could do and informed them that we had a buyer if they could process the short sale immediately. They said that they would probably not be able to and " hopefully the buyer was still around ''. They went through the same process of continually requesting updated information for months while the process dragged on. I lost my buyer and could make the mortgage payments AND the rent payment on my apartment so I continued to work through the home modification process. I contacted their lawyers several times, received a response on a few occassions. Finally, on XXXX XXXX, I received an email back from XXXX XXXX at XXXX XXXX ( Bank of America 's attorney ) saying that my loan has been " service released '' to XXXX XXXX. I immediately called them to restart the process and was sent out a packet. I was in the process of submitting the packet and gathering all of the info they needed. My wife drove by the house and there was a sherrif sale notification on it for XX/XX/XXXX. Bank of America, who would no longer work with me and would never respond and sold it to XXXX, processed a sheriff sale. They began the sheriff sale process AFTER I was informed by their lawyers that they no longer serviced the loan! I called XXXX and they confirmed that Bank of America did complete that. 

Lastly, I logged on to the sheriff 's website to discover that BANK OF AMERICA bought it! 

I can only see this as they intentionally did this to somehow gain from the process.

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 2020-01-12
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:
I have disputed multiple late payment remarks on this XXXX XXXX account. Account number XXXX. I have sent proof to the bureaus that the late payments are reporting inaccurately and need to be removed and updated

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 2015-08-14
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX of XXXX, Tx sold my debt to a collector. I had payments set up to be auto drafted from my bank debit card. My bank closed the card and sent me a new XXXX. I tried to online and change my information and pay my bill. It would not allow me too. I did not receive a call from XXXX XXXX XXXX stating that they had issues with my automated payment that I set up on their website. This was done after I questioned the bill. I believe I was XXXX charged for my deductible. I sustained a XXXX XXXX XXXX shortly after and have received numerous automated calls from the debt collector on my cell phone. I received XXXX call prior to my accident and calls while in the hospital. A total of XXXX calls. It is my understanding that the law does not allow automated calls by debt collectors to a cell phone without permission. I was XXXX in the hospital. 

The debt collector is Central Financial Control located in XXXX, AL. They threatened further collection activities ( Not sure what that means ) The amount is for {$320.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 disputed an inaccurate, unverified, erroneous, & fraudulent account that i found on my credit report. Accounts were updated as opposed to being deleted. I believe this inaccurate information is a defamation of my character and has hindered me from obtaining credit and or has caused me to pay high interest rates. 

ACCOUNT : XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX ACCOUNT : XXXX ACCOUNT : XXXX XXXX XXXX   ACCOUNT : 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 2020-08-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I closed on a mortgage refinance from Bank of America ( Original Bank ) to XXXX XXXX XXXX XXXX ( New Loan servicer ) on XX/XX/2020 with cash out. The principal amount at BOA was {$450000.00} and the new loan amount is {$490000.00} with XXXX. The problem arises after closing and with BOA not closing out my loan and having it still active in their system and still trying to auto withdraw from a recently closed checking account. BOA incurred a bounce fee and I am also getting letters of late payment. I attempted to reach out to the mortgage department multiple times, however, their automated system tells me they are closed while their reported hours state they should be open. I have tried to have their customer service reach out to that department as well with no avail and no follow-through from BOA. I emailed the lawyers from XXXX end and they have been trying to get to the bottom of this with the lawyers from the BOA end that were handling the closing, the emails state that BOA is having system updates. My main concern is that BOA 's multiple technical issues will cause me to incur unnecessary fees and negatively impact my credit. I don't have the proper familiarity to double-check each party had taken care of what they need to but to me, this looks like BOA is failing to do their part.

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 2016-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
original debt is over 7yrs old & I have asked the company on many occasions to stop calling me & they have ignored my request.

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