BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-10
Company: JH Portfolio Debt Equities, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The credit collection agency Credit Control LLC representing JH Portfolio has violated the FCRA by not providing documents to me in regards to this debt. Until   XXXX   XXXX    , I was unaware of this creditor and upon finding out requested documentation through  XXXX   XXXX   XXXX  dispute. Upon not receiving the information requested, I contacted th e JH Portfolio directly through the   XXXX   XXXX   XXXX   (  XXXX  ) com plaint ID #  XXXX  on   XXXX   XXXX   XXXX     to remove this debt based on not being given the opportunity to dispute the debt in question.  JH Portfolio  responded to my complaint on   XXXX   XXXX   XXXX     that they sent a letter to a previous address through Credit Control LLC since they are a passive debt collector and collect through external collection agencies. They attached a PDF of a letter supposedly sent on   XXXX   XXXX   XXXX    , however, I was unable to open the PDF.     Since they stated in their response to my complaint that Credit Control LLC is the collection agency responible for my account, I contacted Credit Control LLC on   XXXX   XXXX   XXXX    . I was told that Credit Control LLC is a third party collector for  JH Portfolio  therefore they do not have any documentation. As such, this account is unverified and immediately needs to be deleted from all my credit files :  XXXX ,  XXXX , and  XXXX . The business is required to disclose to me all the documents that they have recorded and retained in their files that pertains to this debt. If Credit Control LLC does not have any documentation other than the PDF JH Portfolio provided to the  XXXX   ( i.  e.  signature contract agreeing to pay  XXXX  they need to retract this from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a CHASE Visa Signature business card on XX/XX/2022 and was denied. Reference number : XXXX I believe i was discriminated against in my application. CHASE is subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against due to the response I received. Regulation B protects applicants from discrimination in ANY aspect of a credit transaction. Credit transactions and aspects of credit transactions include : Consumer credit, Business credit, Mortgage loans, Refinancing, Open-end credit, Credit applications, Standards of creditworthiness, and Adverse action. Adverse Action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act ( ECOA ) which is codified in 15 U.S.C 1691c, and is pursuant to civil liability under 15 U.S.C 1692k. I have contacted CHASE by phone multiple times and, spoke with agents and supervisors in an attempt to have them reconsider their decision in my credit application without any success. CHASE is in violation of 15 U.S.C 1642, 15 U.S.C 1681m, and 12 CFR 1002 because I, the consumer made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of CHASE. I am aware of CHASE and their procedures and policies, but they do not trump Federal Laws. If CHASE fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make CHASE criminally and civilly liable for all actual damages pursuant to 15 U.S.C 1681n and 15 U.S.C 1681o. ( {$1000.00} per violation )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
On  XXXX / XXXX / XXXX  - I was the victim of an internet scam. The fraudsters convinced me to issue a cashiers check for {$9000.00} and put it in the mail. The check would take 4 days to arrive in  HI. My friend came to my home and I discussed the matter with him and realized that it was a scam. We immediately called Wells Fargo fra ud department to stop the cashiers check after submitting all requested information we were given a case number. We then went to the  XXXX  CA branch and spoke with  XXXX   XXXX . We presented him with the stub from the cashiers check, explained what happened. He called the fraud department, closed the checking and savings accounts, blocked online access, and assured my boyfriend and myself that a hard stop had been placed on the cashiers check and that the fraudulently stolen funds would be returned in about a week.  XXXX  asked me to come in the next morning to open new accounts. I came in the next morning, opened new accounts.  XXXX  assured me that everything was safe and that the {$9000.00} would be transferred to my new account. Note - A police report was called in to  XXXX  PD since that was the location where the check was sent.     On  XXXX / XXXX / XXXX  I called the claims assistance center to follow up on the status of the {$9000.00} going back to my account. They said a form was missing and that they would mail it. I did not want to wait so I went back to the  XXXX   XXXX  and spoke with  XXXX   XXXX . He called the claims center, and they did not know what form he needed, so they would call back. In the meantime, the claim was closed. On  XXXX / XXXX / XXXX  with the stress from this situation I went into the hospital with  XXXX   XXXX  and was kept   XXXX   XXXX   XXXX  . I was released Sunday night.     As it turns out  XXXX  at the  XXXX   XXXX  failed to have us fill out the correct fraud paperwork for a cashiers check to create the bond to protect us from the loss. In addition, on  XXXX , the  XXXX  branch refused to accept the affidavit of check fraud that was requested by the fraud department. The check was cashed when  XXXX  had assured us that a hard stop had been placed on the check on  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 2022-02-22
Company: Maximus Education, LLC dba Aidvantage
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I made a payment to XXXX XXXX on XX/XX/22. On XX/XX/22 XXXX XXXX transferred my loan to Aidvantage. On XX/XX/22 the XXXX debit cleared my checking account. As of XX/XX/22, the payment is not recorded on my Aidvantage account. I contacted XXXX XXXX and they said that they transferred all funds to Aidvantage and I called Aidvantage and they said that the payment may take 30 more days to credit to my account. It is not my fault that the portfolio was transferred and I find it unconscionable that my payment has not posted after more than 3 weeks of it coming out of my deposit account. And if after 8 weeks Aidvantage can't locate the money, retracing a transaction that occurred 8 weeks prior at another servicer will be very difficult. I want the payment applied to my loan or returned to me ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: Aldous & Associates, PLLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX years or XXXX year back I saw " XXXX XXXX '' was charging my credit card. I called the ph # that was provided and got no response from them. I tried to call them, my bank tried to call them when they started charging monthly amounts but they never communicated or confirmed with me as their member.. My bank cancelled the payments that was taken from my credit card account after verifying the details.. 

I received a letter few days back dated XXXX XXXX saying I am delinquent to an unknown XXXX XXXX  " XXXX XXXX '' ... I called the Debt collector " Aldous & Associates, P.L.L.C '' in XXXX I never used XXXX XXXX facilities or signed any contract. I asked them to send me the evidence that I used their facilities but instead of giving me chance to prove what they're saying is absurd they asked me to contact someone to get that information which I feel some kind of cheating in my view.. It was them ( Debt collector ) who sent me letter on delinquency on an unknown XXXX  XXXX.. If I used their service then they ( XXXX XXXX ) should have contacted me but no one called me till now..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: Tower Loan of Mississippi, Inc.
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My loans have been consolidated with a consolidation company and this company refuses to respond to the consolidation people. I tried to explain to them that I was struggling financially so i entrusted a company to pay my bills for me so that I can at least have money for the month, but they refuse to listen to me. They call my references daily, my job daily, my home daily and they have been putting letters in my mailbox on my property and on  XXXX   XXXX ,    2017 whic h is tonight, I heard someone at my door like they were trying to break in and it startled me because I live alone, and when I went to the door they were backing out of my driveway and they put a letter in my door after  XXXX . Ive asked them to stay off of my property but they refuse. They are scaring me coming to my house and I want this to stop. If they want their money they should work with my consolidation company and stop harassing me. This has gone too far.

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 2022-02-22
Company: Experian Information Solutions Inc.
State: NJ
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, AC # XXXX, XXXX, Amount {$1200.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.

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 2017-05-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I enrolled with a debt settlement company  XXXX . One of the accounts was a Bank of Ame rica ( BofA ) credit card debt.  XXXX  of the other credit cards and debts have been successfully paid off or are still in a repayment program. Payments to BofA w ere initiated  XXXX / XXXX / XXXX  and followed on  XXXX / XXXX / XXXX ,  XXXX , and  XXXX . I received a piece of mail from a law firm in  XXXX   XXXX , AR, offering their services for representation regarding a lawsuit filed against me by  XXXX  and  XXXX  law firm on behalf of BofA. I was unaware of this at the time. My name was also in the Sunday,  XXXX   XXXX , newspaper noting said lawsuit. I contacted my debt settlement company,  XXXX   XXXX , Thursday  XXXX   XXXX  inquiring why I was being sued. They had informed me at that time that  BofA  had already received payments for the debt and would check into this matter. After further communication with  XXXX , they informed me they were in process of negotiating a new settlement with  BofA and c ould not explain why I was being sued. I informed  XXXX  I would contact  XXXX  and  XXXX  and attempt to settle this debt without their assistance. I was formally served the lawsuit papers the evening of Tuesday,  XXXX   XXXX  at my home. I contacted  XXXX  and  XXXX  Wednesday  XXXX   XXXX  and spoke with  XXXX   XXXX  ( spelling? ) and negotiated a settlement with her that same day. Subsequent papers were sent out which I received the following Tuesday,  XXXX   XXXX . I spoke with  XXXX   XXXX  the following day and she informed me the papers I received were null and void and would n't be honored. She asked me to mail them back to her and then later in the conversation advised me to shred them. I still have these papers in my possession. I then attempted to negotiated a second settlement with  XXXX  and was advised to call her back if I did not hear from her. I attempted contact again Monday,  XXXX   XXXX , left message and again Friday  XXXX ,  XXXX .  XXXX  left me a message Monday  XXXX   XXXX  and I attempted return call approximatel y 30 min  after and have not had return call from her through end of business day today,  XXXX   XXXX . I feel I have been diligent in trying to reconcile this debt and I was unjustly sued by BofA, through  XXXX  and  XXXX . L I have spoke with, although have not retained an attorney at this time and have concerns there may be Fair Debt Collection Practices Act violations with this manner. Thank you for your time regarding this manner.

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 2023-04-14
Company: EQUIFAX, INC.
State: TN
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 sent a letter on XX/XX/XXXX, to delete these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the Bureaus letters are sent. Ive already included this in my previous complaint & I am including it again. The items are listed below : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, TN XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX, MI XXXX, XXXX XXXX Balance : {$25000.00}, XXXX Balance : {$1000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
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:
The customer relations staff at this company continue to IGNORE our problem and concerns. The keep supplying the same answer despite at least 7 times being told that this is not information that is made available to us as credit union members. They can now answer to this legally in a court of law as this is in the Oregon Justice Department and we are seeking legal counsel since they have been unwilling to do anything except patronize us. I hope in the future for the sake of other customers that they hire some people who actually are able to understand and resolve issues. We are not going to stand for being accused of fraud for paying our credit card payments from our own bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
The student loan company has my correct contact information. I have spoken with several representatives in the last month and have verified my telephone number and address numerous times. The company continues to harass my family and friends even though they have my contact information. The harassment has expanded to my extended family and now at my place of employment. There is no reason the company should be contacting anyone else but me. They have all my contact information.   Additionally the company is giving myself and my co signer incorrect loan information and they have taken money out of my account without authorization. The representatives call and state the loan is in default but payments have been made monthly for the past year as part of an agreed payment plan. The customer service has been horrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
Transunion has taken more than 30 days to investigate and remove this fraudulent and inaccurate info from my report. 
XXXX XXXX for XXXX XXXX at XXXX was placed on my report in 2019, literally several years after I had any association with the M and Lakeline. This is clearly fraud on the part of the company to try to frighten me to give money they are not entitled to. I ended my lease legally as I had to tend to family medical emergency and had government reassignment. It was understood when I left and there was no balance do! Its fraud to come back 2 or 3 years later and try to extort money from someone! 
The company XXXX is located in Georgia, not in the State of Texas. According to federal law it is illegal for a debt collector to try and collect debts out of state. This company is in the top 5 most complained against companies in its class and on XXXX  and CFPB. They are notorious fraudsters and have lawsuits against them. Transunion is resisting following to law and its efforts to maintain this false info on my report is hindering my efforts for housing and other financial instruments. They must delete this info immediately. The other CRAs have long since removed this because they know the reputation of the company and know that what I state is true. Only a lazy and illegitimate investigator would report something as verified from these guys! It should have been removed the first time I asked them to.

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 2023-06-26
Company: Village Capital & Investment LLC
State: MS
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Mortgage account - XXXX Village Capital Mortgage Servicing Company has not provide me with my XX/XX/XXXX Mortgage STatement. My mortgage is current andnis is on a repayment plan for veterans. All previous months have a e-statement uploaded to on the website except for this month. I need the document for proof that my mortgage is up to date Village Capital is avoiding posting the information on their portal to fraudulently claim non payment. 

Accurate reporting and billing is important in this matter to comply with the fair billing act.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: National Credit Adjusters, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National Credit Adjusters , LLC is attempting to collect a debt that does not belong to me. They sent me multiple letters including the attached notice on XX/XX/2021. I've attempted to resolve this by contacting the company requesting validation of this alleged debt. I sent out correspondence via USPS mail on XX/XX/2021. I also faxed this corresponsence on XX/XX/2021 at XXXX. ( See attached fax confirmation ) I have yet to receive any form of sufficient validation of this debt, or any correspondence at all from National Credit Adjusters , LLC. As far as I know, this has not been reported to any of the credit bureaus but I'd like them to cease all collection efforts and assure me that this will not be reported to the credit bureaus as this alleged debt does not belong to me. I am requesting legal action to terminate this account immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: Lending Club Corp
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The Bureaus did not properly investigate my account with LENDCLUB BNK XXXX because incorrect information is reported on this account. A lot of errors in terms of the remarks. The payment history is incomplete, too. No 120 days record was found prior to getting the account to be a charge-off. Moreover, the account has an exact balance which is totally wrong if the account is in fact to be a charge-off. The entire remarks for this account do not concur with each of the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
Paypal deceived consumer by packaging virtual antivirus software along with the purchase of a laptop that at the time was supposed to be {$100.00} less

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-18
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
First, the account is not recognized, d and neither is the information. After disputing it, XXXX reported it as a charge-off. 
this is a violation of 15 usc 16 18 1 e b here how they report it : Balance details 100 % paid off Balance {$0.00} Balance updated XX/XX/XXXX Payment summary XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX CO XXXX CO XXXX CO XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details 100 % paid off Balance {$0.00} Balance updatedXXXX  XXXX, XXXX Original balance {$2000.00} Account info Account XXXX Open/closedClosed Date openedXXXX XXXX, XXXX Account typeUnsecured Payment summary XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX CO XXXX CO XXXX CO XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX StatusAccount charged off. {$1600.00} written off. 
Company soldXXXX XXXX XXXXXXXX After XXXX attend to get the XXXX, they refused to provide it, and instead send me a letter that they assigned the debt to a debt collector. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX vs XXXX XXXX XXXX XXXX XXXX. I presume that no proof of that alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation