BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
In XXXX of 2021 I opened a business account with Chase. I never received my card in the mail, multiple people in my home, myself included got really sick and I was dealing with way too much associated with covid. I lost both my aunt and my grandmother. I realized in XXXX that I never got my card. I called chase and spoke with a representative and advised her what happened. She indicated that where were no charges on my account she is going to close that card and fed ex me a new one. She did as she said and I received my card in 2 days. I used it for 2 days before I got declined. I opened the account with about {$7500.00} there is no way that it could have been declined. I called chase and was told I am in collection! I kept receiving multiple calls and when I tried to rectify it, I was told there was nothing that could be done! I only had 30 days to report the incident and because I did not, I am not eligible to report it! I lost {$7500.00} that is truly ridiculous and unfair! I reported it to the consumer financ4e in XXXX and a representative4 from Chase called me and said they would start an investigation and call me back. I haven't received a call and have been calling them since! Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: EQUIFAX, 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:
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Risecredit, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Rise is not reporting correct information nor providing documentation of my payment history to the 3 major credit bureaus. I have never been late with payments. I have disputed several time with no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: CarMax, Inc.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid off a debt for a car from carmax. Recently I noticed that my credit report was being attacked an charged for the same debt that I already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have been demanding to see verifiable proff ( an original consumer contract with my signature on it ) with it for MONTHS with the paperwork for XXXX card that shows up on my credit report. They have not provided physical verification of the original signed consumer contact. I have sent them several letters- certified, not certified, and also went to a notary public on some of my paperwork. I keep on getting this letter back from them!

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 2017-03-22
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My office represented the borrower in a foreclosure case in XXXX XXXX Court. The borrower changed attorneys and we no longer represent her. However, my office still receives mortgage statements for the borrower. The statements lists the borrower 's name but my office 's mailing address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
1- I had already submitted a complaint, as the collector has been harassing me for a debt that I do not owe.

2- The company- Credence- harassed me with repetitive phone calls in XXXX as well. Calls on XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX, twice on XX/XX/XXXX at XXXX and another right after that I answered and hung up after it was confirmed that it was Credence collections again, to which I had to block just to sleep through the night. They have again started calling me at early hours for the last two weeks. 
3- In my first complaint, I state that the debt they are trying to collect was a mistake confirmed by the company that sold them the debt. The company XXXX XXXX XXXX XXXX, lost a router in the mail during peak quarantine, to which they later found and confirmed they had found it. They still sent the amount for that router to collections and still havent resolved the issue. This is still the root issue. 
4- this is been going on for TWO years. When will this end? I am not at fault and I dont owe any debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-17
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX/XXXX/XXXX, Ocwen ( loan servicer ) denied the loan modification on my account. On XXXX/XXXX/XXXX, I have formally appealed and challenged their decision on loan modification denial. Instead of addressing my appeal, Ocwen elected to start a foreclosure process by filing a Notice Of Defalut ( NOD ) on XXXX/XXXX/XXXX. Ocwen chose to ignore and disregard my appeal and proceeded with foreclosure process. This violates CFPB 's Dual Tracking Rules and California State Homeowner Bill of RIghts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
The auto sys is unbearable. The XXXX dont do anything & put you back into the sys. They take personal info over & over but no results. Card is lost. No way to close. They have a fidutiary responsibility. I would have just requested new card but based upon how bad the service is, should there be an emergency i wouldnt trust trust them & i want it closed.

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 2015-10-27
Company: GOLD KEY CREDIT, INC.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I pulled a copy of my XXXX Credit report and found a listing from this company as collection item for {$770.00}, original creditor XXXX. I already paid a debt to this company for {$160.00} paying off a collection account. This {$770.00} debt is not mine, I have never received any statement from the original creditor or Gold Key credit. This violates federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: WELLS FARGO & COMPANY
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I am XXXX and a minority. I came into the branch to open an account and the woman took and hour and asked for additional forms of ID other than my state ID ( not sure if that was legitimate or not ). She asked a number of strange questions, too. She did not offer me a temporary check card. I came back and she refused it to me without explanation. I called and I spoke with the manager, XXXX who was rude, and he said that it was " up to their discretion whether to give me a temporary card ''. He was very rude on the phone and hung up on me. I spoke with other reps who also claimed that it was " at their discretion '' and all of them refused to tell us why I could n't have a temporary card or how they make that decision of who to give it to. At one point XXXX even told me " you can come in and take your money out of the account and close the account if you 're not happy ''. He refused to speak with me while my family was in the room even though they were not loud or on the line. At this point, I am going to seek legal counsel and make a discrimination complaint. I have been speaking with this bank for 3-4 hours, now!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: AR Resources, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
This company is charging me a debt I do not owe. There are errors that are reflected on my credit report of debts that do not belong to me. I want this collection removed from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have an issue with XXXX, Experian, and XXXX. I have sent multiple letters to which none of them have replied. The only thing they've done is reinsert information that was deleted from my credit report, in which none of them have sent me reinsertion letters and this is a violation of the Fair Credit Reporting Act. After numerous attempts I am filing this complaint because it is beyond me how someone can just ignore you and there is incorrect information being reported on my credit report. Per the Fair Credit Reporting Act all information across all three credit bureaus must be identical, however, neither of these credit reporting agencies are reporting anything the same which is a violation of my rights as a consumer. I ask that all incorrect information be removed from my credit report immediately, or I will have to handle this situation in my best 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 non-monetary relief
Consumer complaint received 2015-06-30
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The mortgage company, Wells Fargo, miscalculated the initial deposit of funds into my escrow account. Now my account is approximately {$3400.00} short. Our house was NOT new construction. I have been working with Wells Fargo mortgage department for over the last XXXX weeks and I have still not be able to resolve the issue. Wells Fargo has refused to accept the blame for the mistake and will not return phone calls ( including supervisors XXXX. I have reviewed all my closing paper and HUD-1 statement with my relocation company, the closing title company, my realtor, and an old realtor we used to sell two previous house ( in another state ) and all parties agree that Wells Fargo made the mistake. I think Wells Fargo 's consumer service is completely unacceptable and it appears that they do not care. If anyone else made a similar mistake in another type of business they would be held accountable to correct the mistake at their expense. I want this issue resolved ASAP.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. This suspicious item is not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this item from my report : XXXX. Company Inquiries : XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX 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 2016-08-23
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have attached the letter from Experian and I have asked them to remove XXXX XXXX for years. Additionally XXXX XXXX is trying to collect on a XXXX XXXX credit card that was paid, I have no idea how this happened as we continued to pay on some cards after the Chapter XXXX was filed ( which discharges credit card debt as a requirement ) but we chose to continue paying on the cards, our boat, car, etc .... 
After numerous attempts and written requests to Experian we are asking that Experian change its attitude as they need to be willing to reach out and verify information no matter how many times I request it. 
Again, ALL XXXX XXXX debts, including our car loan we had with them, were satisfied. 
Experian is by far the worst, the other XXXX reporting agencies are polite and helpful. 
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 2016-04-04
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I opened a new bank account with Citizens Bank back in XXXX. On XXXX XXXX, XXXX they debited {$400.00} from my account, leaving me with only {$110.00}. I had bills and other things scheduled to come out of my account. I called to find out what it was and they told me that it was a charge off account from XXXX. I have never had an account with Citizens before. The XXXX number customer service, was not very helpful. In fact they were very rude. I was very upset about the whole situation. They told me there was nothing they could do and i could go into the branch and file a complaint/dispute. I went into the branch and found that Citizens had bought out Charter One. Back in XXXX, I would have a balance left owed to Charter One. Since opening the new account, i have not received XXXX notification, phone call or letter stating I had a charged off account with them and they were going to automatically debit my account. I wasnt even offered a chance to make payment arrangements. I understand it is my debt from 9 years ago and it something I owe. However, i feel its very deceptive to allow someone to open an account and then 4 months later without any warning or notice debit {$400.00}. I did file a dispute on XXXX XXXX, XXXX and still have not heard back about it. In resolution, i would like my money back and then set up payment arrangements. I had to borrow funds to make sure my bills were paid and i was not going to miss those payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Company: AFNI INC.
State: WA
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:
I have never had my own XXXX account!!! 
XXXX XXXX XXXX XX/XX/XXXX Open {$130.00} Account Details Last Reported XXXX XXXX, XXXX Collection Agency AFNI Original Creditor XXXX XXXX XXXX Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Responsibility Individual Balance {$130.00} High Balance {$130.00} Remarks Account information disputed by consumer, meets FCRA requirements Creditor Contact Details AFNI XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21
Company: AFNI INC.
State: OR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The original creditor is XXXX, arising from a final bill from an apartment that I moved out of in XXXX XXXX. In XXXX XXXX I received a letter from a debt collector asking for payment of {$140.00}. I mailed a payment via my credit union 's bill pay on XXXX/XXXX/XXXX for the full amount due. The letter, which purported to be from an attorney 's office in XXXX, TN, instructed to make checks payable to XXXX XXXX. 
In XXXX XXXX, I received a bill for the same amount from a separate collection agency for the same debt. The agency is Afni, Inc. After double-checking that I had already paid, I assumed they had some wires crossed, so I ignored the bill. 
Today I received another bill from Afni, so I called them to explain that I had already paid the bill. They are demanding proof from me rather than checking with XXXX. Because the payment was made via bill pay, I will have to go into my credit union branch to get a copy. This will be time consuming and annoying. I feel the burden should be on the collection agency to ask their client to double check their records. In the meantime, my credit score has been harmed by the report to credit bureaus by Afni.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I just called US Bank to close the XXXX XXXX XXXX XXXX account there ( XXXX ). It is a CD and does not mature until next yearit is a 3-year CD. 
I spoke with XXXX who told me there would be a penaltyI expected that. She said closing the account today the payout would be {$160000.00}. Todays balance on the account is {$160000.00}. Astounded, I asked her how she came up with that amountyou typically forfeit the interest on the account for an early withdrawal and the interest for ALL of last year was about {$160.00}. I asked her to provide me with documentation for how the penalty is calculated. She was gone for a long time. 
She came back and said she wasnt seeing anything and I would need to go in to a branch. I told her she had to have how the penalty is calculated in writing and she was going to have to show me that because Ive never heard of such a steep penalty. She said she had something to send me. I asked to speak to a supervisor. A few minutes went by and she came back and said she found it on the website. She directed me to USBank.com ; Personal ; CDs ; How CDs work. I read the applicable section on Early Withdrawal to her aloud : Early withdrawal : If you withdraw money before the CDs term ends, youll usually have to pay a penalty. This penalty varies, but you may have to give up some of your interest earnings sometimes as much as three or six months worth. 

Again, I reminded her that in ALL of last year we only made {$160.00} in interest. So how did we get to a penalty of over {$5000.00}? She said she puts in the information and it gives her the amount. I told XXXX that I need to speak with a supervisorshe said they were all in meetings, but will call me back. I told her I needed a call back-that I will not be reaching out to them again, but will go to the authorities. She said, Yes, maam. I asked if she had my number, long pause then she read an old home number to me. I gave her the XXXX Office phone number : ( XXXX ) XXX-XXXX. I asked who would be calling. She said XXXX. I asked her for her last name. She said it was XXXX. When I asked for her direct number she said she didnt have one. Her title is CSR Manager. She asked if there was a time she shouldnt callI told her no. Anytime was fine. 

I confirmed again the dollar amount of the proceeds {$160000.00} and asked for todays balance : {$160.00}, XXXX. I asked how much interest wed earned since the beginning of the term for the XXXX in XX/XX/2020. She said she couldnt tell me that. She only had last years interest. I thanked her and ended the call.

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 2016-08-13
Company: Nationwide Biweekly Administration, Inc.
State: CT
Product: Other financial service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
After purchasing our second home, we were solicited by Nationwide Biweekly Administration , Inc. and offered a lifetime membership with them for a fee. They were to provide a service that paid our mortgage bi-weekly promising to payoff our 30 yr mortgage in 23.9 yrs. They also promised to conduct an annual audit of our mortgage company 's accounting for our mortgage yearly, upon our request, AFTER the anniversary date ( XX/XX/XXXX ) each year. Having XXXX homes, we agreed to sign up for both our mortgages on XXXX/XXXX/14. As the first year of service was approaching, we began getting bombarded with notices that a third party bank would no longer do business with them and through no fault of their own, they temporarily could not continue to provide services in accordance with our contracts and they could not refund any portion of the fees ( {$740.00} & XXXX ) b/c it is a lifetime membership. Attempts to contact the company were not successful. We began getting & continue to get further solicitations for another product they offer called XXXX XXXX XXXX and these advertisements compare the savings of their XXXX XXXX program, costing {$2600.00} to {$4900.00}, to their biweekly program and they state the biweekly program only takes 4.2 years ( 50 months ) off the term of the mortgage. The original solicitations in 2014 for the their biweekly program stated the program saved 6.1 yrs ( 73 months ) off the term of the mortgages. The current offers for the XXXX program starts with, " We hope to have your biweekly program reactivated soon. '' then it ends with saying they will give us credit for the fee we paid for the bi-weekly program to be put toward the fee for the XXXX program ( {$2600.00} to {$4900.00} ). This is fraud and this company is getting away with ripping off a lot of people.

Company response to consumer: Closed with explanation