BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-19
Company: Avant Credit Corporation
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Various companies are marketing loans via emails. So I respond to their ad that claims I can check to see what rate I would be able to get based on my record. So I go ahead and inquire, they offer a loan to me which I do not accept. In their marketing pitch, they claim that checking to see what rate I am able to get will not affect my credit report as no inquiry will be involved. Then I get this email from Avant that says just the opposite. This is not fair for an inquiry to show up when they said none would appear. Also, why is my score so low?? I have never missed or been late with a payment in the last ten years. I should have a perfect score really. 

Here is their email to me : Your recent application through Avant has expired Thanks for checking us out. Reapply anytime. 

XXXX, XXXX : An application for a loan submitted on XX/XX/2019 through Avant has now expired, and we can not offer you a loan at this time. 

Avant branded credit products are issued by XXXX, so you may see a new inquiry from these institutions on your credit report. 

We welcome you to re-apply and check your rate with us anytime.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Disputing Fair Collections and Out Account # XXXX Reason : I paid these charges to XXXX XXXX XXXX before it was sent to collections or before it was charged off. Also the charge for {$320.00} for month to month rent ( XXXX ) is inaccurate. My lease ended XX/XX/2014. 

I have disputed this with Fair Collection and Out first, then the credit bureaus. The collection company refuses to admit that I am not liable for this amount. They have no proof that I owe this collection account and are being unethical by continuing to report to the credit bureaus. 

Additional Documents are provided Letter of Breakdown Statement of Charges Check Stubs Lease Agreement

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: JPMORGAN CHASE & CO.
State: AZ
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:
On XX/XX/XXXX I was billed for a third ( 3rd ) time in the amount of {$64.00}. It is even dated XX/XX/XXXX, posted XX/XX/2020. 

I am a XXXX year old XXXX American Veteran and the dollar amount was typed incorrectly in earlier complaint XXXX. Please forgive my error. As I am having a great deal of problems due to the incorrect billings by JP Morgan Chase bank. 
. 
There was just one ( 1 ) purchase with XXXX on XX/XX/XXXX. JP Morgan chase has billed me three ( 3 ) times for this amount.. 

Please be so kind to assist and get these negligent incorrect billings corrected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-16
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2018 2 unauthorized charges of {$100.00} were made at a XXXX gas station in XXXX Georgia. I have filed a claim and have not yet been issued a temporary credit 22 hours after filing the initial claim. I was advised by a chase representative that I should receive a credit within 12 hours after submitting the claim. I have spoken with 3 individuals, all of them telling me that they are sorry but they cant issue a credit until the charges show posted instead of pending. I have XXXX children and NO MONEY to feed them while waiting for my credit to post. I am disgusted by the way Chase is handling my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Enhanced Recovery XXXX does not have the licenses to collect on a debt in the State of Texas. 

XXXX Date : XX/XX/XXXX-XX/XX/XXXX-2014 Amount {$330.00} Tried to call multiple times with no response

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: Afterpay US Services, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I placed an order with Afterpay back in XXXX its already paid for and fulfilled because of a glitch with Afterpay duplicated the order I never placed a new order in XXXX but yet I was charged for a new order and it needs to be cancelled I contacted the merchant and the only order they have for me is the one in XXXX which is already fulfilled and paid for.. I do not need this order to be sent again i just need my money back and to stop any future payments on this order. Please canceled this order and cancel all future payments. I have been dealing with this for order a month now and it is not fair to be paying for this order when it was already paid for I am in touch with them since XX/XX/2021 and nothing has been solved instead they were asking me to make payments until this is solved. Why would I make a payment on your mistake. And they were quick to send me to collections I am beyond upset at this point. I have emails acknowledging that it was in fact a mistake and still not refund was received instead a got to be put in collections.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-05
Company: Mid-Atlantic Finance Co., Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Not my Auto Loan. 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 2021-02-28
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: Was not notified of investigation status or results

Complaint:
I went to get financing for a car loan. I was excited to go to the dealership until the car salesman came back into the room and informed me that he wasn't going to be able to get me financing for any vehicles. This caught me by surprise because I have always understood the importance of having and maintaining good credit history. So I always did my best to make sure I kept all of my affairs in order. So of course I was full of many different emotions when the salesman informed me that I wouldn't qualify for any financing. These negative items being reported on my credit report are not my accounts. I demand them be removed. This is defamation of character. This is also a FDCPA violation 15 USC 1692d. Reporting inaccurate items on someone credit report negatively affects a consumer 's reputation. FCRA 15 USC 1681 states that a consumers credit report is the consumer 's reputation. If these items are not removed immediately I will seek litigation. I also provided evidence to support that I was a victim of the Equifax data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
I spoke with XXXX XXXX XXXX on the phone in 2016 and agin in on my last phone interview with XXXX XXXX.

I was told that the late payment in XX/XX/2016 would be removed if I filed an dispute.

I was told both the call were recorded.

Please, have the fraud department audit the calls and remove the late pay.

I also tried to pay the amount due the week of the charge and was told I could not pay until it posted.

The above was at the XXXX Customer Service Department on the week of the Charge. I called the # on the Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: JPMORGAN CHASE & CO.
State: WA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This complaint involves Chase 's handling of fraudulent credit card charges on a credit card I have with them. 

On XX/XX/XXXX at XXXX XXXX Chase alerted me by text that a payment to a local XXXX store of {$240.00} was declined and asked me to confirm if it was legitimate. As I was at home and asleep this charge was certainly fraudulent, and when I woke up at XXXX I confirmed that the charge was not legitimate by text and had my card shut down. I am the only person in my household and the card was still in my physical possession so I'm guessing my number was stolen from a swipe transaction I had made at a gas station late the previous week. 

A number of other charges at the same store and in the same time period ( the morning of XX/XX/XXXX ) also appeared on my card before I had shut it down and were not declined by Chase. These totaled {$480.00}. I called Chase on the XXXX and pointed out that these other charges from the same circumstances were fraudulent. The representative on the phone said I did not need to file a police report and they would handle the problem. 

Chase investigated and stated that these other transactions from the same store and time were made by me. Shortly afterwards on XX/XX/XXXX I sent an email to Chase 's fraud recovery team disputing this and asking for more information about the charges to aid in filing a complete police report. Though Chase called me to discuss this they provided little to no extra details about the circumstances of these charges. In a letter dated XX/XX/XXXX Chase stated that the charges were valid, again providing no details or reasoning on why these other charges were valid while the first was fraudulent. 
At this point it doesn't seem like I have much recourse to get my money back. I have had this account with Chase for years in good standing and never had a problem with credit card fraud, so to see this handling of the one time I have a problem is very concerning. I have spent a significant amount of time and effort trying to make this right.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 HAD A HARD INQUIRY UNAUTHORIZED ON XX/XX/2018 BY XXXX XXXX SPOKE WITH THE COMPANY AND TRANSUNION BUT STILL HAS NOT BEEN REMOVED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-28
Company: Berlin-Wheeler, Inc. (Kansas)
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reached out as I am refinancing and saw there was one bad collections on my account from XXXX for cable I didn't have an account of. They posted it was part of the disaster of covid. It was false. I went to XXXX and they issued the form showing it was closed as there was no debt owed. I submitted it to the 3rd party collections for them to remove it. Instead the changed it to paid. I never paid it. I have repeatedly asked them to remove it. I went back to XXXX to get a updated statement showing their credit back to the account as the account they spoke of was paid by an HOA not me. Please see the attachment of the validity of this statement. I am frustrated, it's been two months and three weeks of my time trying to resolve this. The bureaus told me to reach out to you as they have tried to dispute it. The company who refuses to follow the laws of the fair credit act is Berlin Wheeler INC. I am now, asking for damages.

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 2019-02-08
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Fifth Third mandates I pay an escrow even though Fifth Third does not pay for my homeowner 's annual insurance premium. Fifth Third has performed two new escrow analysis, first time issued a check for {$1500.00} and the second time issued a check for {$480.00}. I suggest Fifth Third use the XXXX computer program and using the XXXX program will insure correct addition, subtraction, and multiplication while performing a third new escrow analysis. See attachments, one, two, three, and four. Fifth Third states they collect a two month cushion ( {$75.00} X 2 or {$150.00} ) then add the {$900.00} annual premium, apply the past payment breakdown, and then divide by months remaining until XX/XX/2019. By using the XXXX program, and adding, subtracting, and multiplying, Fifth Third has a surplus of {$450.00} in my escrow account and needs to issue a third check.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: Kriya Capital, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Please see the attachment. The Credence company sent me a debt collection notice on behalf of XXXX XXXX XXXX regarding a due bill that was incorrect. I followed up via phone and asked for the details of the due bill and they promised to email me the detailed bill right after the phone call. however, I never received any emails from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-06
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. Illegal foreclosure practices fraud upon the court banking entity pursuing me since 2007.  False affidavits, robosigning, banking entity not operating in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have a Chase XXXX XXXX card that I obtained for the travel benefits, which include redemption of points at XXXX % if redeemed using the Chase travel website. I have been attempting to book travel on the Chase travel site since at least XX/XX/2019 but am unable to redeem my points. 
After many calls to Chase over weeks, I learned that Chase has been aware, since at least early XX/XX/2019, of a technical problem that prevents at least some reserve card holders from redeeming points on the travel website. 
I have made many attempts to resolve this issue with Chase. I have been told that the only option available is to book travel elsewhere and request a statement credit ( essentially cash back ) from Chase which will be a dollar for dollar credit. Chase will not honor the XXXX % contractually offered redemption value for travel, though i have made this request on several occasions. 
Chase can not, or will not, provide an ETA as to when this matter will be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: Chime Financial Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX We discussed with a lady about helping us get a house. We continued to communicate and be in contact with the lady. On XX/XX/XXXX we sent the lady the {$1000.00} which was her fee for getting us the house through XXXX XXXX XXXX XXXX. On XX/XX/XXXX we were in contact. The last stated she would let us know once approved. I reached out on XX/XX/XXXX the last stated she should know something today and stated she would reach out to me. XX/XX/XXXX Asked the lady for an update and that I didn't hear from her the day before. She stated she forgot. She stated that she would get me approved. XX/XX/XXXX Lady stated she would call me, never received a call. XX/XX/XXXX reached out for an update. She promised she would call me never did. XX/XX/XXXX I requested me.momey back from her and she denied it. Reached out to cash app they requested I reach out to her. Then I reached out to Chime on XX/XX/XXXX regarding the incident. XX/XX/XXXX they gave me a claim number and stated someone would get back with me. They stated for me to explain what happened and attach documentation supporting my claim. XX/XX/XXXX they reached back out and stated they were denying me claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2021, I received a text alert from Bank of America ( BOA send text messages to its client ) asking me if I had deposited XXXX to a XXXX XXXX account. I reply NO then they send another text asking if I want to speak to a representative I reply YES. Someone called me identifying as BOA representative, the caller ID said BOA and it was the same number on the card. The representative had all my bank account information. amount, account numbers, business account, my husbands name and my name, social security numbers everything! This person instructed me to do some transaction between my accounts and told me to use my email address. There were three different transactions from two different accounts. my personal and my business. while I was talking to this person I called the Bank and told them what was happening, they told me to stop any transactions if I can but apparently it was too late. I went to the police station and made a report, I have called the bank several times, but the bank is not responding at all. All they said is because Id id the transactions by XXXX I am responsible for. The thing is that when people send me money through XXXX  they send is not immediately. They have been very rude and not taking responsibility of anything. I have been banking with this bank for years but this is not right. I have a police report and the bank not even ask for it. All I have heard from them is you did the transaction you loose the money. This is a fraud by a bank employee. There is not way someone will know exactly how much money including cents  I have in my bank account. The bank told me to allow them 90 days for investigation, I called them a few times within that time and they have told me already that they cant do nothing. The bank is not taking ownership, we are both partnering they said this is a fraud someone did to me that it was not them but the fraud was not only to me but to them too because they are included in this. This is the bank issue. this fraud transactions comes from people that works there, it is too strange for someone to have all my cents information from each bank. I lost {$13000.00} and the bank is not responding for any? something is wrong here. I need a full investigation and want to feel protected when I deposit money at the bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-28
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX, just to verify your claims in your response dated XX/XX/2020 regulatory case # XXXX XXXX. Why do you waste the paper by sending a copy of Transfer of Service Notice? You like to pad your responses with useless, senseless documents i never asked for so of the 24 pages you sent only one page has responses to the questions, 12 pages were wasted on the Notice, 2 pages were XXXX was Escrow Act History, useless, 6 Bayview loan statements again useless, and one XXXX XXXX Notice from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: EQUIFAX, INC.
State: CA
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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation