BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I conducted an online purchase on XX/XX/2016. When the merchandise did not arrive within the published timeline on the Merchant 's website, I contacted them by email. I was advised they were a little slow, but rest assured, the items were on their way. Several more weeks passed, with no delivery of my order. There were several email exchanges and ultimately, I requested a refund. The Merchant then discontinued any additional correspondence with me and my request for refund. I opened a dispute claim with my bank, JP Morgan Chase. On XX/XX/XXXX, Chase sent me a letter that since it was greater than 120 days from the transaction, they would not pursue any further action ( it was day XXXX when I opened the claim ). I called Chase several times, even speaking with a Senior Support Specialist, and was told there was nothing they could do. I was then advised to contact XXXX regarding the matter. Guess what XXXX told me? Yep, call my banking institution! At this point, I am no longer interested in the merchandise that was ordered, I just want a simple refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-01
Company: PNC Bank N.A.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2023 money was stolen out of my account in the amount of {$380.00} through XXXX I contacted my bank PNC to complain about this stolen money and they refused to reimburse me my money accusing me of authorizing the transaction. When clearly I have no connections to the alleged recipients of the funds. I want my money back!!! I filed XXXX complaints and they still refuses to reimburse me my money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: CCS Financial Services, Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company CREDIT COLLECTION SERV which I have NO CONTRACT nor have I received services from reported a collection Account against my SSN in the amount of {$290.00} with XXXX, XXXX, and XXXX XXXX reporting agencies. I requested verification of the debt and accounts however the business failed to provide adequate proof. Considering this business does not have a contract for me for goods they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: CBC Companies, Inc.
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: Public record information inaccurate

Complaint:
I received a report from XXXX stating two accounts from XXXX XXXX XXXX were opened and closed shortly after without my authorized written consent. Account numbers XXXX and XXXX. These accounts were open in 2016 and closed less than a month after open.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-16
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I submitted a complaint about loan servicing. The number of that complaint is XXXX. I do not consider XXXX to be a " going concern ''. I asked to be informed about the process for transitioning my loan to another servicer in the event of XXXX bankruptcy. The response was that there would be a response within 60 days. I do not consider this to be a response. I have no reason to believe that XXXX is devoting sufficient and adequate resources to support its business offering.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX/17 i called my mortgage company, because i needed to know whom is my home Insurance coverage is with..On XXXX separate occassion i was given Policy # XXXX and the Insurance company is XXXX ... When i called with that policy #, the information they had on file, WAS INCCORRECT.The name ( s ) they had wasnt mine or my wife '' s and the Home Address was also incorrect.I would like to find out if My finances was paying for these other people coverage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: EOS Holdings, Inc.
State: UT
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:
EOS CCA # XXXX is reporting a debt that I do not owe. This debt was paid off by XXXX to release my account so I could transfer over to XXXX. It is paid and I do not owe this debt, it should no longer be on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: Premier Portfolio Group
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving calls at my office from Premier Portfolio group. They want me to make payments, but have not stated for what. They called my work number I told them I can not receive personal calls at work since I am in a dispatch office and the phone is used for business only. They have called every day for 4 days straight even after they were informed that I can not take this call at work. As a matter of fact the young lady that worked for them said they were going to just keep calling.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: Vinci Law Office, LLC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Vinci Law Firm called me this morning and I only know they 're a debt collector because I called back. In my initial contact with them, they asked for me by my legal name ( which I only use for strictly legal matters ) and when I asked what this was about, they refused to tell me so I said it was me. Then they demanded the last 4 digits of my social security number to `` verify '' it was me. When I tried to get the information anyway, they insisted and when I refused, they hung up on me. 

I called back moments later and demanded to speak to a supervisor. I was put on hold for a minute and then redirected to a voice mail. I told them to stop calling me, I know they have to disclose why they 're calling, and they ca n't verify by asking for my sensitive information like my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: BB&T CORPORATION
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Still no complete explanation to my complaint. 
1. Never received a copy with my signature that I was informed that BB & T can steal money from one account and place it into a separate account. This request was made on three separate occasions and obviously denied. 
2. No explanation as to why I was lied to when I opened this account. I was promised that XXXX account is completely separate and my funds were safe from the XXXX account opened at the same time. This prove to be false and fraud. I am sure the conversation was recorded in the office through the numerous bank security cameras present. Had I been truthfully informed of my right I would have opened the second account in a different bank allowing me to purchase my medicine and pay my bills. 
3. I informed BB & T that I would not discuss this over the phone but only through a format that I can have a hard copy record of what was discussed. Despite this no call warning I am continually harassed by BB & T phone call several times a day.

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 2017-04-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I contacted the customer service number to equifax for help with these inquiries they said there was nothing I ca n't do I know that is not true I would like them to provide me with the name the number and the extension of the person they talk to and the reason why it can not be deleted for each inquiry here is a list XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: EQUIFAX, INC.
State: WV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The only XXXX I have ever had in prosperity WV is XXXX There is another listed on my report that is not nor has it ever been mine. Also, there are numerous hard inquires that are not mine. XXXX is not mine as well as several others!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-14
Company: Shellpoint Partners, LLC
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage company originally told me that my loan was modified. My new balance was supposed to be {$41000.00}. My mortgage company is now telling me that my balance is over {$76000.00} and they have increase my payment by {$300.00} a month. I believe they are incorrect and I want my balance reduced to the amount that was agreed upon in my loan modification agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: Chime Financial Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My friend sent money via Chime pay friends feature. {$1900.00} intended for me. He was asked to enter in reciepient email. He correctly entered mine in. My name shows up, it's the only one that shows up. He clicked it sent the money. Notified me. It is supposed to be instantaneous and didn't come. After an hour we both contacted chime individually and came to the conclusion we need to contact them together. On a three-way phone call we contacted chime and told them what had happened. They were trying to tell him that he made mistake picking a different person but he put my email address in and only my name first and last showed up as the option to send to. There's no other person on that app that has my email address associated with their account. This was verified by chime. There is an error somewhere in there programming that sent it to a different person with my name. We made a request to that person to send back the money. But that's unlikely and that's the help that chime offered to us at this point. They said they would escalate the issue but since they're not a bank, stay there financial transferring app yet have Bank savings and spending accounts and can do credit reporting. But remove themselves from all liability with any issue that happens within the app. They don't have any way to transfer the money back or request it back or force it back to the sender so I can rightfully get my money. It seems this is a common problem with chime where they are taking money or they don't ever fix errors especially ones on their part. Such as in this case. I feel really frustrated I need the money and I feel lost in the situation. The money went to a username $ XXXX. Beginning to a XXXX XXXX I am a different username, but those usernames don't show up as the option to choose from when picking the recipient. It was my email address that automatically popped up my full name. My name showed up I'm XXXX XXXX XXXX has no other XXXX XXXX in his contacts on the phone or friend groups on chime. It's on time to fix this error but they won't. XXXX from his phone of the account that he sent it to as it stated my full name and the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
remove the remaining items listed on my FTC 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 2017-06-01
Company: World Acceptance Corporation
State: TX
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:
While reviewing a recent copy of my [   XXXX   ] credit report I noticed a credit inquiry by your company that I do not recall authorizing.
I understand that you are allowed to put inquirie  s on my file, but only if I have given my authorization.   Please have this inquiry removed from my credit file as soon as possible. I have sent this letter certified mail because I need your prompt response to this issue.   I would greatly appreciate receiving a written response that you have had the unauthorized inquiry removed.   If you find that I am mistaken, then please send me proof of my authorization.  <P/> Thanks in advance,  XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The aforementioned credit collection agency representing Santander Consumer USA has violated the FCRA by not providing documents to me in regards to this debt. I have no knowledge of this debt and have not received anything that pertains to this debt. This account is unverified and all collection actions need to cease indefinitely. This business is required to disclose to me all of the documents that they have recorded and or retained in their files that pertains to this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I was in forebearance and my loans were reported as 90 days late on my credit report for no reason. They were never reported as 30 or 60 days late. I now have negative credit because of the wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I was not notified in a timely manner that my income driven repayment was ending and due to that i was forced to do a forbearance. They sent me notices stating i had to start making a very high monthly payment or they were going to start reporting to the credit bureau that i am not in good standing with my student loans. I told them that i was out of work and that i was on XXXX and i cant afford the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: WELLS FARGO & COMPANY
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:
i do not have a wellsfargo checking account, someone opened a checking account in my name XX/XX/XXXX which was later closed XX/XX/XXXX. The phone number XXXX does not belong to me, the address the account is registered to i do not and have not lived at this address XXXX XXXX XXXX XXXX XXXX ca 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 2022-04-29
Company: EQUIFAX, INC.
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:
XXXX is inaccurately reporting a balance on my credit. Please see the attachment directly from XXXX indicating that I have no financial obligation with them. This account was mistakenly reported delinquent due to the erroneous processing of XXXX XXXX XXXX. Please delete this account from my credit and erase the balance. Thanks. 

XXXX # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: JPMORGAN CHASE & CO.
State: CO
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: Card was charged for something you did not purchase with the card

Complaint:
Hello, On XX/XX/XXXX my XXXX XXXX cards on my account were stolen from her person as she took her XXXX min walk from the XXXX XXXX in XXXX to her XXXX. I am in XXXX. A number of purchases were made while I was sleeping and she was in class, the were unauthorized fraudulent theft. Early XX/XX/XXXX I called Chase.com to cancel the cards, they had already put a fraud alert on both cards- XXXX ending XXXX and XXXX XXXX ending XXXX. Chase 's Fraud operator was efficient and reassuring, together we went through each fraudulent unauthorized transaction and he confirmed they would be removed within XXXX  hours, he cancelled and expedited new cards now in my possession. XX/XX/XXXX XXXX XXXXXXXX  reported the theft of her wallet and contents to XXXX XXXX Police Department and received an case/incident number. I sent this report with her detailed information in email to Chase.com through the secure message option on my chase.com dashboard, and have continued to email each day for resolution. Today is XX/XX/XXXX. In my communication with chase.com I have included photos of my Chase.com dashboard where I repeat myself to identify all fraudulent unauthorized transactions of XX/XX/XXXX which was first done early XX/XX/XXXX with the chase.com fraud  operator. Initially I received an email reassuring me of the XXXX guarantee to remove these charges. On XX/XX/XXXX the unauthorized charges were in PENDING mode, then XX/XX/XXXX I noticed some of these unauthorized charges were removed and other unauthorized charges moved to my dashboard current statement so PAID. I have tried to call Chase.com many times since XX/XX/XXXX but they do not have an option for 'speak to fraud department XXXX it is not offered. Each day I have written expressing my concern and listing the fraudulent unauthorized charges on my XXXX and XXXX XXXX cards. I receive an endless cycle of auto responses with misinformation of how to speak to someone. This is not acceptable. It is notable that the unauthorized fraudulent now PAID charges are to big corporations, the unauthorized fraudulent charges Chase.com removed were to small vendors, but the big companies unauthorized fraudulent payments have not!! 
Thank you, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-14
Company: Bonneville Billing and Collections
State: UT
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Bonneville contacted me by phone on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I had agreed to set up payment IF I received information regarding the debt for my record keeping purposes and I did send in one payment in XX/XX/XXXX before I received any information. AS of today, I have not received any mail notifications, and I have been on the lookout for them. I spoke with Bonneville today and again requested a copy of a statement but the agent continue to steer the conversation to making payment arrangements, which I believe is unfair. You have stated that the notices have been mailed but I receive mail every day and there is nothing from Bonneville. Provided address to agent in XX/XX/XXXX and as of XX/XX/2017. The agent kept steering me to set a payment and even told me that now that I am behind the monthly total is raised {$3.00} more dollars. I kept steering back to getting a copy of a statement. This is needed for me to know where the initial total is so when payments are made I can calculate owing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Experian Information Solutions Inc.
State: TX
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 Convergent account below has violated my rights.

15 U.S.C. 1681 section 602 A. States i have the right to privacy 15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction. 

XXXX XXXX XXXX Paid in Settlement ( closed ) XXXX XXXX XXXX XXXX Late payment ( s ) ( closed ) I have asked the credit bureau of a thorough investigation of my credit profile and they did however they only validate that an account was once open. My initial complaint is not to validate an account, however, to question the thoroughness of the investigation and also i still found improper inaccuracies upon their initial response. The improper accounts use are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Late payment ( s ) ( 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 explanation