BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have requested several times via mail to investigate negative information that has been reported on my credit. I have only gotten responses that accounts have been verified and updated. I have not been sent any documentation proving that accounts and late payments have been verified. I have never been late on any loan payments nor have I ever authorized an account with XXXX. I have attempted to dispute this information with all parties via telephone however It is very difficult to get assistance over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-19
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I opened a checking account at Chase Bank in XXXX 2015. Since this time, I have filed claims disputing a total of XXXX claims, all of which tbe bank researched it and found my dispute to be valid and reversed the charges. A few weeks back, I called the bank to file a dispute for a {$39.00} cenf charge that was not authorized and they informed me they would need to cancel my debit card and issue a new XXXX, I agreed. However, they never processed the dispute for the charge. 
On Friday of last week, I had XXXX transactions that were processed without my consent, I called in the claim and asked them to include the {$39.00} charge they had neglected to process - a total of XXXX charges - I received a new debit card. 
That day I go to use my card and it was declined! I called the bank and they tell me they will be closing my account due to fraudulent activity and terminating my relationship and they have rejected my last claim with the XXXX unauthorized charges and that decision was final! 
So, they are closing my account after agreeing my disputes were valid and they rejected my claim for the final transctions because they are closing my account and the overdraft charges they charged me for the disputed transactions. They say I have no recourse since I will no longer be banking there!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My and my spouse are both independent contractors. In XXXX, we both qualified for the SBA EIDL disaster assistance loans. We signed our paperwork with the SBA and our funds were deposited. Chase Bank froze our accounts. My wife spent hours with the bank manager providing Independent Contractors agreements, My EIN, Schedule C 's of our taxes, everything we could show that we were independent contractors. The branch manager sent her home saying our accounts were being closed and that a check closing out our account should be sent to us in three days. Through the rest of XXXX and XXXX, we had weekly exchanges with Chase bank regarding additional information they requested. On XX/XX/XXXX, we faxed over EIN 's that were requested in order to unlock our account. We have now been told we need to independently pay a XXXX to prove that we are indeed independent contractors. We have our contracts, our pay stubs, our taxes, and EIN 's, and Chase is refusing to unfreeze our money. This is money that is a loan to us, so whether Chase returns or not, we still have to make payments on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX, XXXX XXXX  XXXX has been harassing me everyday for the past 3 weeks. They called my employer, family, friends all day ; calls are made every 5 minutes. The debt they are trying to collect was settled in XXXX. I have documentation. They threatened to sue me in court. I need help with stopping these scammers. 

I received a letter today XX/XX/XXXX, the letter is dated XX/XX/XXXX. It states I owe {$3000.00} and if I dont pay or respond within 30 days ; I will be sent to court. 

We have spoken to them several times and they dont give enough information for me to determine if they are a legitimate company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: Cooling & Winter LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I, XXXX XXXX went into my bank account with XXXX XXXX  and noticed heavy activity in two personal accounts of mine. Both personal accounts were depleted. In account ending in # XXXX they took out over {$1600.00} plus {$75.00} legal fees with now a minus {$800.00}. leaving it as {$2400.00} and in my other account ending in # XXXX they put a hold and minus on the account for {$2400.00}. 

I received a copy of the CFPB Law Suit with XXXX, Cooling & Winter and I have a judgement against me from Cooling & Winter filed @ the XXXX County Court house which in XXXX Cty which I know nothing about. I have called them and to no avail they have yet to give me anything other then harass me and hang up on me. 

I'm at a loss for words. I'm out money that was helping me live, I was paid by clients, and past income. No contact by the bank to tell me this was happening or that there was a judgement against me and now they have doubled what they say I owe them in the documents uploaded. 

I never knew anything about this. No one informed me about if there was a " debt '' and if I look up my credit report it clearly gives me a good standing credit rating of XXXX as of XX/XX/XXXX. I never received an email, a letter, nothing. 

I'm told after looking through paperwork and hearing from my Business Lawyer ( spoke to the firm just to ask what they thought ) that this stems from XX/XX/XXXX, 13 years ago. Isn't there a statute of limitations? In all the time I have lived in XXXX and here in XXXX County GA now I still don't know anything. 

I need your help because if this is all about Cooling & Winter and I'm a part of that without knowing anything more what's a girl do. I can't open another back account somewhere else until this matter is resolved. Please help me

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 2020-11-13
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On Friday, XX/XX/2020, I received email and text messages from Conn 's of an ACH that was declined. I always make monthly payments at Conn 's and have not authorized ACH. In fact, Conn 's deceived me that once I paid off one account in full early XX/XX/2020, I could add two items to one existing account. However, once paid off in full, Conn 's gave me serious runaround about adding two a/c and heating window units. They requested additional proof of income and I complied. Next, they wanted more proof of income and I provided. The runaround was never ending. I eventually obtained the two said items elsewhere for much less and what I actually needed. Now, Conn 's is hitting me for some ACH. I phoned Conn 's three times today at different phone numbers of customer care, collections and back to customer care. Long holding periods and one time I was transferred again to hold for a long period. The first phone number rang but followed by busy signal. That is why I began contacting other numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
A property has an insurance for flood that is paid by the escrow account from the bank. 
I asked for an estimate from another co XXXX, they asked me for the credit card and charged {$1000.00} that was not authorized, since it was already paid to XXXX ( XXXX ) which had the policy from the previous years, and paid from the escrow account as before. 
I had tried to reverse the charge for several months without success with the Chase Card, despite explanations and papers send to them, they do not do it. What is a misappropriation of funds by Chase and XXXX XXXX, plus Chase benefits for charging, illegal interest since the charge is disputed and not valid. The property has already the XXXX insurance. XXXX XXXX and Chase should be held liable individually, jointly and in severality for misappropriation of funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have some very serious concerns about Nelnet 's payment posting process, and I have conducted some tests to ensure my concerns are valid. I have been scheduling payments to ensure the payment is made on a XXXX, trying to ensure the weekend is not included. Here is what happens : Once the payment begins the processing, which is usually mid-day, my bank account shows the payment has processed and the amount debited from my account by XXXX the next day. Nelnet still shows the payment as processing and interest continues to compute. As a rule, Nelnet does not post the payment until the following Monday, allowing for an additional two days of interest. I think this is done purposefully to charge additional interest. Based on all the complaints I have read about Nelnet, I believe regulators should review their billing and payment system. As an auditor, I know it is very easy to manipulate a billing system to ensure payments are, " held '' so accounts incur additional interest. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: CIG FINANCIAL LLC
State: AL
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:
Im a victim of identity theft

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
My mortage company, Regions bank, put hazard and flood insurance on my home loan before I was able to sell it. They didn't notify me only my EX husband who was also on the loan. They sent no documents to the address of the property they were insuring. I am the one who lived in this home. When I went to close I had to pay over {$25000.00} in force placed insurance. I have all the statements from the bank that show they sent my Ex everything and me nothing. I am trying to get my money back.

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 2017-02-06
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I was hit with {$780.00} in over draft fees in one weeks time. I tried to talk to TD bank, but they were no help and refused to do anything to assist me in this matte.r

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: WESTERN UNION COMPANY, THE
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
On XX/XX/2018 I purchased a Western Union money order. The money order was never received by XXXX XXXX to whom the money order was sent. I mailed the original receipt ( as instructed ) and {$15.00} check ( which was cashed ) processing fee to Western Union. The refund, has not been sent. Customer service tells me they can't find the information. And various other excuses. I believe Western Union is  taking advantage of the less fortunate people that use the Money Order system to wear them down and keep their hard earned money. I would like my refund and request that an investigation be conducted by the Federal Government into this situation. How much money does Western Union keep from innocent people that just don't have the means to fight back. Re : Money Order # XXXX Amt. {$260.00}. Processing fee sent on XX/XX/2018. ( CASHED ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: EQUIFAX, INC.
State: NV
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$19000.00}, {$12000.00}, {$28000.00}, {$2600.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 

-- AUTO ACCOUNT 5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: Advance America, Cash Advance Centers, Inc.
State: NC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/XXXX, XXXX XXXX XXXX  contacted my mother concerning a PayDay Loan from XXXX which I took out from Advance America. They left a message on her voice mail. She called them back. The person she spoke with proceeded to tell my mother about the debt, my failure to pay and that I was to be arrested. My mother is XXXX and terrified. I took care of the debt with XXXX XXXX XXXX XXXX yesterday. I received a call today from XXXXXXXX XXXX XXXX telling me that they had contacted my mother. The lady who called was reticent to provide the address or name. She stated the address was XXXX XXXX XXXX, XXXX GA. My case number is XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: National Recoveries, Inc.
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I entered into a repayment plan with National Recovery signed by me on XX/XX/2018. I made two accelerated payments, per our agreement, with the 3rd payment to be paid now on XX/XX/XXXX, which would cancel the wage garnishment and start getting my student loan out of default. On Friday, XX/XX/XXXX, I received a call stating that the company is not honoring that agreement nor the payments I already made and I am considered to be in straight default and my wages will be garnished. I have given them all of my financial information including a financial affidavit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: PMAB,LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PMAB collection continues to harass me with unsolicited phone calls from spoofed numbers and mail me about a debt I do not owe. The bill is question was workers compensation claim and all bills for that claim has been satisfied by workers comp and insurer. PMAB was sent a ceist and desist XX/XX/2017 to stop. which is attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: DISCOVER BANK
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:
On XX/XX/XXXX I sent XXXX XXXX a certified letter asking to validate an account showing on my credit report. On XX/XX/XXXX the letter was received and signed, and after 30 days I did not receive a response violating federal and state laws. On XX/XX/XXXX I sent Discover a follow up letter and it was received and signed for on XX/XX/XXXX in which I did receive a response. In the response Discover failed to provide to me a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Not only did Discover not respond in a timely manner they also failed to place a " notice of dispute '' disclosure on my credit reports. Discover has violated Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) and Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Receivables Performance Management ( RPM ) placed an item on my credit report without my knowledge as a collections account. I have no idea who they are nor do I owe any alleged debt with them. I called them on XXXX XXXX, 2016 at XXXX PST and they abusively hung up on me twice. I was inquiring as to why they placed a collections account without prior notification nor any notice to dispute, the collections agents were rude and hostile when I called them in flagrant violation of the Fair Debt Collections Practices Act. RPM is flagrantly violating the Fair Debt Collections Practices Act with their abusive and hostile debt collections practices. I recorded all the phone calls with them including when they hung up on me twice in an abusive and hostile 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 2020-05-22
Company: LEXISNEXIS
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
I mailed a certified letter with return signature required to LexisNexis on XX/XX/2020 asking them for the method of Verification concerning the bankruptcy they listed on my file. I did not receive an answer and called them 15 days later and was told they were re investigating the public record. I told them I wanted their method of verification since they had been reporting this on my credit report on different agencies. I finally got their reply today XXXX XX/XX/2020 ) which does not state their method of verification nor any details on their investigation. They are not providing the basic information I have asked for not once but 3 times ( that is why I sent the certified letter ). I am tired of getting the run around.The FCRA states I have the right to the method of verification and yet they continue to deny that to me. I am enclosing all of the documents as proof of my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: Experian Information Solutions Inc.
State: DC
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 recently reviewed a copy of my credit report and noticed multiple unauthorized Inquiries that I had no knowledge of on my credit report, I then sent a certified letter to Experian on XX/XX/2020 requesting for a full investigation to determine who authorized it and upon completion asking that they then provide written correspondence that detailed results to their finding. I feel there was not a full investigation completed because the certified letter was accepted and signed to Experian on XX/XX/2020 ... I then received an email stating that my Dispute Results for report XXXX were ready on XX/XX/2020 and that they were not available online and to call a specialist and when I did call the specialist he did not give me any detailed outcome of my results but instead told me that he can send me a copy of my credit report to dispute any inaccurate information when in fact I called for my dispute results regarding inaccurate inquiry information.

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