BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-06
Company: JPMORGAN CHASE & CO.
State: MI
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:
XXXX I purchased moving services from XXXX XXXX XXXX company, to be performed on XXXX and XXXX. I paid an advance of {$1100.00} towards the total sum of {$4700.00} on XXXX, 4 days prior to my move, the company delayed my moving services to a month later. on XXXX, I cancelled the moving and asked for a refund since they had not delivered on the contracted service date. on XXXX submitted documents of all of the transactions - original purchase for service, and change date, to chase bank for the dispute. Throughout XXXX I called numerous times as Chase requested callbacks to verify information. Each time I was given a completely different answer as to what was needed and the status of the disputes. I provided all documents as requested of me, and Chase completely ignored the fact that XXXX XXXX XXXX has not delivered on the moving service, and is breaking the law by keeping a deposit for services not rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Back in XXXX  of 2020 my family was affected by the pandemic XXXX. We lost family members and we are about to loose our only home. My income came back and now im ready to resume payments. Please help me keep my home.

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: P&B Capital Group, LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received multiple phone calls from P & B Capitol Group through out the past year attempting to collect an alleged debt associated with my name. I explained to the reps that I had no knowledge of said debt, I also asked for any documentation associated with my name in the event I have to file a police report with my local police department. I never received any documentation nor anything in writing notifying me of said debt. According to the FDCPA, consumers have 30 days from the date of being notified in writing, to dispute the validity of any alleged debt associated with them. In addition, as of XX/XX/XXXX, this debt have been reported to consumer reporting agencies without me be properly notified and giving the opportunity to respond to said debt. This has since damaged my reputation and credit worthiness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
beginning ofXX/XX/XXXXi had discovered i have been a victim of identity theft and some one unknown to me had used my personal information to get credit cards and personal loans under my name from XXXX and XXXX XXXX XXXX XXXX, i immediately contacted credit bureaus and notified them of my findinding and was instructed by them to file an FTC report which i did. i send my disputes to the credit bureaus and XXXX removed the items immediately and XXXX stated items are under investigation and transunion has not done nothing. 30 days has passed and i senet my second request to XXXX   and transunion, XXXX  stated under investigation and transunion did not even said anything which i decided to come here for help. 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 2020-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Hi, I have sent certified letter XXXX XXXX # XXXX about this account. I have requested Validation of Debt, which they have never provided and I'm not familiar with this account. 

There has not been a payment made on this account in over 12 months ; therefore, account should be reported as Charge-Off / Written Off. The account say ACTIVE AND OPEN. 

It's against the law to lie to investors stating you have open accounts when you really don't. Therefore, CFPB may want to look into XXXX XXXX as well. 

Please remove this from my credit report ( s ) ASAP! As I have requested information and it was never provide and it's been over 35-60 days. I have the certified mail receipt if required as well.

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 2019-02-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
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:
I have tried to file chargebacks on three cards to recover from fraud on 3 credit cards in citizens bank and they denied me that chance. for the card ending in XXXX I owe {$5000.00}, for card ending in XXXX I owe {$3900.00} and for the card ending in XXXX I owe {$1900.00} from the letter given to me on that letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: HW Holding, Inc
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I tried paying a debt with Hunter Warfield. They refuse to send me anything in writing verifying our agreement, so I havent paid anything. They said they dont provide any documentation until the debt is paid in full, and thats just wrong. I want to resolve this, but not until I get our agreement in writing. They said they isnt buy the debt, so maybe thats why? If thats the case, who owns the debt and why are they calling me? I also didnt receive any letters in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: EQUIFAX, INC.
State: OH
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:
Hi, I have sent certified letter XXXX XXXX # XXXX about this account. I have requested Validation of Debt, which they have never provided and I'm not familiar with this account.

There has not been a payment made on this account in over 12 months ; therefore, account should be reported as Charge-Off / Written Off. The account say ACTIVE AND OPEN.

It's against the law to lie to investors stating you have open accounts when you really don't. Therefore, CFPB may want to look into XXXX XXXX as well. 

Please remove this from my credit report ( s ) ASAP! As I have requested information and it was never provide and it's been over 35-60 days. I have the certified mail receipt if required as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: CITIBANK, N.A.
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: Add-on products and services

Complaint:
The Citi Double Cash credit card deceitfully has the " World Elite Mastercard '' logo prominently displayed on the back of the card, though it is not a World Elite card. World Elite Mastercards have additional benefits that standard Mastercards do not have. A list of benefits can be found at the link below, which includesCell Phone Protection in case a mobile phone is damaged. 

XXXX XXXX XXXX For years I have been paying our mobile phone bill every month using this credit card, as the card is supposed to be aWorld Elite Mastercard. On XX/XX/XXXX of 2019, the screen on my wife 's phone was damaged. I called Mastercard to file a claim for the screen to be repaired. Mastercard told me that the card is not aWorld Elite Mastercard. I explained that the card has the World Elite logo very prominently displayed on it. They told me that the matter would have to be taken up with Citibank, as Citibank isthe card issuer. I took up the matter with Citibank and spoke to a few representatives all of which agreed with my concern. Because of this, they escalated the matter multiple levels to their Executive Offices. On XX/XX/XXXX, XXXX, which can be reachedat phone number XXXX, advised me during a recorded conversation that this credit card was not aWorld Elite Mastercard. I asked why the card has the World Elite logo very prominently displayed on it, and he could not offer an explanation. I asked to have it escalated as this is bait and switch, and completely illegal. He told me that I have reached the top level of escalations and that the matter could not be further escalated. Repairing the screen costs {$350.00}, which XXXX said he would not have Citi cover as a courtesy. 

Again, the Citi Double Cash card has theWorld Elite Mastercard logo displayed prominently on it, though it is not aWorld Elite Mastercard. Even Citibank themselves acknowledged this on XX/XX/XXXX during a recorded conversation. Why are hundreds of thousands, maybe even millions of consumers, being deceived with these bait and switch tactics?

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 2021-09-08
Company: DISCOVER BANK
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:
DISCOVER FIN SVCS LLC I am writing to dispute the following information that DISCOVER FIN SVCS LLC supplied to XXXX, XXXX and XXXX This item DISCOVER FIN SVCS LLC is inaccurate because I never requested to open a credit card with them nor ever had their credit card. I am requesting that DISCOVER FIN SVCS LLC have the item removed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-07
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX my Stimulus payment came in to my account. I had a negative balance of {$710.00}. I was relieved to know that I had this extra stimulus money to catch up my account plus a little extra as a cushion. On XX/XX/XXXX Wellsfargo gave my account a TEMPORARY CREDIT in the {$710.00} amount. When I called and asked what this was they stated that it was a temporary credit so that I had access to my full stimulus payment and that I would need to pay the {$710.00} back in 30 days. I asked that they remove this temporary credit from my account as I do not want to be responsible for paying them back in 30 days. I was told I had no choice. After doing my research, all other banks that are doing this are giving their customers 90 days to repay the credit. 

So my issue is Wellsfargo is stating they want their customers to have the full amount of their stimulus so they issued this credit. However, when you have to put aside {$710.00} of your stimulus so that it is available for Wellsfargo to take back in 30 days, how is that helping anyone? I live in Nevada and the State is still not open. How does Wellsfargo think that anyone is going to have the money in 30 days if they didn't have it to begin with? Why is Wellsfargo not giving the Customer the choice? Honestly all this did was stress me out even more having to babysit the money for Wellsfargo.

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 2019-02-11
Company: AMERICAN EXPRESS COMPANY
State: HI
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 am an ID Theft Victim and reported my consumer statement on XX/XX/2014 to advise the credit bureaus of my status and findings. The accounts below were part of this case however they continue to call me repeatedly and send me mail in an attempt to collect the debt. I advised this company of the situation however they persist in attempting to collect the debt and I am feeling harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
When attending school, the financial aid department applied for a student loan each semester. This has caused me to have 12 separate student loans with XXXX XXXX XXXX XXXX. When I make a payment to Navient, I make one single payment, also when I check my loan balance, I receive one balance. However, I missed one payment in XX/XX/2016 and it shows 12 separate missed payments on my credit report due to the way that the schools financial aid and loan company have set up my student loan. This is now causing me a lot of issues and hardship when trying to purchase a home or even find a rental home. I feel that this way of reporting is unfair. I did not miss 12 separate payments as it appears on my credit report, I missed one single payment. I have contacted Navient and the informed me that " this is just the way that we report to the credit bureaus and there is nothing we can do about it ''. I am seeking assistance getting this resolved. I feel that if I file a dispute, the loan company will just send proof of the 12 separate loans to the crediting company and my dispute will be thrown out. 

Any help will be greatly appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: OPORTUN FINANCIAL CORPORATION
State: HI
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 am an ID Theft Victim and reported my consumer statement on XX/XX/2014 to advise the credit bureaus of my status and findings. The accounts below were part of this case however they continue to call me repeatedly and send me mail in an attempt to collect the debt. I advised this company of the situation however they persist in attempting to collect the debt and I am feeling harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: JPMORGAN CHASE & CO.
State: HI
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 am an ID Theft Victim and reported my consumer statement on XX/XX/2014 to advise the credit bureaus of my status and findings. The accounts below were part of this case however they continue to call me repeatedly and send me mail in an attempt to collect the debt. I advised this company of the situation however they persist in attempting to collect the debt and I am feeling harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: Harpeth Financial Services, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
We got a loan from Advance financial for {$3500.00}, we have been paying up to {$800.00} a month for months now and we checked our balance and it is at over {$4000.00}. How is this legal????

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: EQUIFAX, 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:
I was a victim of identity theft before and now the situation has occurred again. I have not opened any credit card accounts since the last time I had this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Hello, XXXX XXXX  : XXXX # XXXX ; XXXX  # XXXX ; TransUnion # XXXX I have requested the above account be removed off my credit report. As I'm an Authorized User and the Primary Account Holder has abused the account and placing negative information on my credit report. Please remove ASAP as I'm in the process buying a house.

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 2019-02-11
Company: U.S. BANCORP
State: CA
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:
I have a credit inquire on my credit report that I didn't authorize.

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 2018-10-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I have this company call me called XXXX XXXX. The called me on my cell phone and on my work phone. They were trying to collect a debt from Wells Fargo and checking account I had in 2003 they had all my information that I can think of personal. They said they were going to serve me to go to court. When I asked for documentation they said they would provide it for me I gave them my debit card which was XXXX and then all of a sudden they did not want to provide me documentation and refused and when I asked for documentation they took it as refusal of payment. I have recorded them and they hung up on me but I did not tell them I was recording them. I attempted to call back and they hung up on me again. Everybody has the last name of XXXX. But they are harassing me at work and on my personal Phone.

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 2020-05-07
Company: ALLY FINANCIAL INC.
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/2020 I currently reside in XXXX, AZ and my phone has an XXXX XXXX prefix. My mailing billing address is in Georgia. On more than one occasion Ive told Ally Financial my living arrangements and medical condition. I continue to receive calls at inappropriate and inconvenient time. Today at XXXX PST ( XXXX EST ) I  received a call from ( XXXX ) XXXX and at XXXX PST another from ( XXXX ) XXXX ( XXXX EST ). On the second called the agent could barely pronounce the name correctly, and when asked who this was she went right into the call is being monitored and record ... I advised the agent the in the spanned of four hours youre making my phone ring multiple times in a day after a voicemail was just recently left. The agent said the account is in collection and they can call as many times as they needed. I told the agent to shut her mouth, she can not make my phone ring Unnecessarily. I also advised the agent the call was at an inconvenient time and she still wanted to proceed with the call. I told the agent to shut her mouth again, the agent said sir your a grown man dont talk to me like that, Ill just call your family. I believe the agent name was XXXX or XXXX. I also recently made a payment on the account on XX/XX/2020 2020

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 2021-09-08
Company: FIRST NATIONAL BANK OF OMAHA
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:
XXXX XXXX XXXX XXXX I am writing to dispute the following information that XXXX XXXX XXXX XXXX supplied to XXXX, XXXX and XXXX This item XXXX XXXX XXXX XXXX is inaccurate because I never requested to open a credit card with them nor ever had their credit card. I am requesting that XXXX XXXX XXXX XXXX have the item removed. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I already submitted complain about that ( XXXX ) Judging by the response, I used too many words for American Express employees to understand. 

American Express suspended my American Express Gold card 3 days before the due date of my payment. Due to the suspension required payment to be made at the due date will not " un-suspend '' the account. Required/due payment was {$2700.00} and amount to be paid to un-suspend the card was {$4500.00}. This is predatory technique of extorting agregatory payments in order to better company 's cash flow and as is, it is entirely not legal procedure ( also against their own company policy ). They could try to do it only after sending email about approaching the spending limit and with no communication from my side. That did not happen. Their action was designed to make me pay over 150 % of what I should pay. This is not acceptable,

Company response to consumer: Closed with monetary relief