BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-05
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
About three days ago, I was contacted by a seemingly old woman about keeping in touch with her and receiving a check in compensation. I foolishly deposited this check, without knowing it was fraudulent and then the check was refunded, taking XXXX dollars of overdrawn fees out of my account and leaving me broke.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15
Company: A.R.M. Solutions, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2018, I received a latter from A.R.M. Solutions stating I owe a debt of {$12.00} to XXXX XXXX. I have never had a XXXX XXXX subscription ( or received a newspaper delivery from them ) and when I contacted the XXXX XXXX, they were unable to locate me in their system. I then wrote to A.R.M.  Solutions asking for proof of the debt. They have refused to provide proof of the debt but continue to send me letters demanding payment or they will report it on my credit reports. I do not owe this debt and demand proof of the debt. They refuse to provide this proof.

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 2020-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: 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}, {$18000.00}. 
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 ) I am  writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account.

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 2018-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX  is not reporting correct information to the credit agencies. XXXX  is reporting that the mortgage is closed. They are also reporting an incorrect balance. My account is still active and has been current since XX/XX/2018. I spoke with XXXX   on a recorded line in XX/XX/XXXX they advised that it would begin to report correctly. XXXX has since not updated my information with any of the credit agencies. I spoke with XXXX on a recorded line again in XX/XX/XXXX and they advised they are not reporting because I have a dismissed bankruptcy, and if I wanted it corrected I would need a reaffirmation document. I reached out to the attorney the represented me in my bankruptcy filing and they advised that reaffirmations are only for chapter XXXX   cases. I had chapter XXXX  reorganization and they should be reporting accurate information. XXXX  reported my account as closed and past due in XX/XX/2018. At that time it was the plan of XXXX to foreclose on my property. I was able to gain assistance and mortgage reinstatement through a state funded program that paid all of my missed payments. With this complaint I want for XXXX to begin to report my mortgage on my reports as active and current dating back to XX/XX/2018. I have filled a previous complaint on XXXX because I felt I was a victim of racial discrimination. I still feel this way as evident in their unwillingness to provide assistance during my hardships, and currently by reporting information that destroys my credit rating.

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 2017-12-03
Company: CONTRACT CALLERS INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I revived a letter from CCI to collect a debt. I do NOT have a contract with this company and I have never heard of them. I have also received phone calls from this company trying to collect a debt that is not mine. This is absurd!! This is not legal. This is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15
Company: LJ Ross Associates
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
L.J. Ross & Associate have my identity without my permission. I have not ever had an account with this company i disputed this debt with the credit bureau and they reported this debt as accurate which is fraud because I never gave them my name. address. phone number. social security number.date of birth or any of my personal information.under the FDCPA I have a right to request validation for the debt that say I owe them which will be a contract I signed with their company. this is a violation of the fcra because this is inaccurate information on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My husband and I attempted to save the account as soon as we realized what was going on. We used the app which used language of fixing the account and signed up for a plan. We then called into the call center which we then spoke to someone over the phone. The person there confirmed that by doing this we would fix the account and could use our cards again and we asked numerous times over and over. We were extremely concerned about the account and in frantic mode. We had another company Ive the same issues and they fixed it all over the phone in minutes. This company told us one thing and confirmed it over the phone and we wanted to throw money at it to fix it then they lie and say its one way to get money faster. If we knew it was just to slow pay it off we would have chosen the slow pay. They lied and deceived us!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They have called me every single day including some weekends. Every day multiple different numbers, I block them and they still use other numbers. I've spoken to them about my situation and they told me " we will keep calling everyday until you pay ''. 
They have called me around XXXX even called me around XXXX at night. Every single day I get more than one phone call. I also get mail every week. They only just picked up this debt a couple of months ago. The dead is nearly 2 years old. I've spoken to multiple representatives about my situation and that it's just not something I can do at this time or I would have already. From what I know the companies name is Portfolio Recovery.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-12
Company: Valor Intelligent Processing, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Switched phone providers from XXXX to XXXX due to XXXX 's high costs in XX/XX/XXXX. Utilized XXXX for many years, had no extra device or equipment payments, just basic phone plan. Also, was not in any kind of contract due to using XXXX for over 5 years. Was also paid up to date on all basic phone services ; upon switch I confirmed with XXXX, and my new provider XXXX confirmed this as well prior to making change. 

1 year later on XX/XX/XXXX I received a collections notification from a company called Valor Intelligent Processing stating I owe {$130.00} to there client XXXX XXXX, for a total of {$150.00} including there fee. This was the first and only notice I ever received stating I owe money for this account. The notice provides no description of what the amount is for. Tried calling Valor & XXXX and was provided no details on the alleged debt..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: Rocket Mortgage, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This company is a nightmare to deal with. I made my XX/XX/2018 mortgage payment on XX/XX/2018. Quicken/Rocket mortgage did not apply the payment properly. The credited it to Principal and escrow. They charged me a late fee even thought the payment was early. 

I made the XX/XX/2018 mortgage payment on XX/XX/2018. They credited the payment to XXXX and charged me a late fee even thought the payment was early. They are now claiming I am in default. 

I emailed them and called them. They refuse to correct the error. It is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: Action Revenue Recovery, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I received a notification from XXXX XXXX that a collection had been placed on my credit report by XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, LA. This amount was paid by XXXX  XXXX XXXX. I spoke to XXXX from XXXX on XX/XX/XXXX. He asked that I email him proof that the bill had been paid by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Tx. I emailed it to XXXX on XX/XX/XXXX. On XX/XX/XXXX, I also spoke to XXXX from XXXX XXXX about the bill. She said she would notify XXXX that this amount should be removed from my credit report. Today, XX/XX/XXXX, I find out that the notification has not been removed from my credit report. I spoke to XXXX from XXXX and XXXX from XXXX XXXX XXXX about this matter. XXXX stated he had not received thee email XXXX from XXXX said it would take 4-6 weeks to notify XXXX XXXX. XXXX from XXXX said he could not do anything because XXXX XXXX has not notified them. I have already waited 4 weeks to get this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I don't believe my late payments were filed correctly. I have more late payments than I should actually have reporting on my credit. I wrote letters trying to fix the problem and I haven't got a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Since the reasons given for denying my request for a loan were all groundless, it is quite clear that the real reason for the denial was AGE DISCRIMINATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: T.S. Holdings
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 am very upset with this issue. I sent a letter to the creditors regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
USAA signature Credit card account was open XXXX XXXX for the approve credit line for XXXX dollar. USAA credit card is not report none on credit report XXXX, XXXX XXXX and XXXX credit reports. I have sent faxes to all 3 credit bureau to dispute this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30
Company: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Amsher collection services Inc is showing up on my XXXX  credit report. I never had XXXX services

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I was actually attending the XXXX XXXX XXXX XXXX XXXX in XXXX Pennsylvania, But this school is not available on the list and has been closed. The dean was caught embezzling money, this chain of schools has lost multiple lawsuits due to their predatory loan system. They have been caught colluding with XXXX XXXX to increase student loan debt and using things such as false placement rates and led students to believe that they would not be making poverty wages once being placed in a job in their field. I was also told by XXXX XXXX not to even pay them anything if I could not pay more than $ XXXXmonth because it would not cover interest, and then proceeded to double my loan amount in late fees and interest. I would like to know if I am eligible to participate in a class action lawsuit against the school or XXXX XXXXNavient for conspiring to trick students into paying near 44 % MORE to attend these schools to get out and make poverty wages with no benefits. This company is very predatory and has hurt myself and many other students.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021, I became a new customer at Mr. Cooper mortgage servicing. On XX/XX/2021, I made an online payment of {$1300.00}, plus an additional {$500.00} for principal reduction. For a total online payment of {$1800.00}. On XX/XX/2021, a withdrawal occurred from my XXXX XXXX XXXX XXXX XXXX ( XXXX ) checking account for {$1800.00}. On XX/XX/2021, I checked my Mr. Cooper account # XXXX it showed double payments of {$1300.00} and double payments of {$500.00}, totaling {$3600.00}. However only one payment of {$1800.00} has been withdrawn from my XXXX as of XX/XX/2021 @ XXXX hours PDT. 
I called Mr. Coopers customer service 800 and spoke extensively ( over 45 minutes ) with a representative about this issue. She could not guarantee that the second withdrawal would NOT be made. She did not know if this was an account specific issue, or a global system problem. 
Not wanting to deal with a potential NSF check/withdrawal I transferred funds to my checking account to cover a second withdrawal should it occur. See screen PDF capture.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have contacted and spoken to, " XXXX '', and have been denied a refund from citizensbank. This matter is in regards to fees obtained in an illegal manner on my citizens account. I have taken screen shots of my account frequently, and have documented account minipulation by citizensbank. The bank has applied double fees, held deposites and withdrawls for days even weeks, random surcharges, aswell as random fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I submitted my Identity theft to the following credit bureaus XXXX and Experian. I supplied them with Proper documentation and the law stating that FCRA 605B ( 15 U.S.C. & 1681 c-2 ) that items must be removed with 4 business days of receiving. These companies are refusing to remove and block the information. Which is clear Violation of the LAW.

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 2018-09-15
Company: Experian Information Solutions 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:
My complaint is against Experian reporting system as i have sent several certified letters showing proof that the account is not mine and the company doesn't even have this account. I have sent the actual letter from the company stating that the account is not mine and it should be deleted. But Experian keeps reporting this on my credit report, which really hurts my feelings since i pay {$32.00} a month for their credit fico score information. I feel as Experian doesn't take these matters seriously and for several months now they keep updating a account that doesn't exist. I have spent over {$50.00} in certified letters and spent hours and hours collecting this correct information to HELP Experian out by showing them proof! My next step will be small claims court, as i know that i can be awarded {$1000.00} for incorrect information and i will take my monthly Fico/credit checker business somewhere else where they treat customers with respect and listen to them. I am so exhausted from this disputing that it would be easy in small claims. Again the tracking information for these letters. USPS Certified Mail XXXX : XXXX delivered XX/XX/XXXX. What else do i need to do? I have shown PROOF with letters from these companies! Who is doing this verifying? It's obviously not correct!

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 2021-05-07
Company: Credit Counsel, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I underwent XXXX and paid out of pocket. Before the procedure I inquired about the price and was given a price in writing. The morning of the procedure I was asked to pay {$420.00} more than I was told. I paid under duress and told them that I disputed the price difference. They told me to contact the doctor 's office who gave me the price. I contacted them after the XXXX and they said to speak with the XXXX center, who sent me back to the doctor 's office. I disputed the price difference of {$420.00} with my credit card company because I was told the price well in advance and it's not my fault they were wrong. I received the first collection letter from this company dated XX/XX/XXXX and immediately replied in writing asking them to validate the debt and to cease all collection efforts. THEY CONTINUE TO HARASS ME VIA EMAIL in direct violation of my written request for them to cease contacting me in accordance with the FCRA. I have received email correspondence from them as recently as XX/XX/XXXX. In XX/XX/XXXX, the administrator of the doctor 's office who initially gave me the quote sent me proof that the account was zeroed out. In XX/XX/XXXX, I discovered that this company FRAUDULENTLY reported the account as delinquent to XXXX. I initiated a dispute and they removed the item from my credit report. Now, in XX/XX/XXXX, I just learned that FOR THE SECOND TIME, they have reported this account as delinquent to a DIFFERENT reporting agency, this time to XXXX. This company is using FRAUDULENT AND DECEPTIVE collection tactics to collect money which is was never owed. The most recent report to XXXX already resulted in me being denied for a credit card.

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 2017-11-29
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX XXXX XXXX has reported to all 3 major bearus that I had a late payment. I have contacted them directly and all three bearus separately in regards to being involved in a Natural Disaster Hurricane Irma who put me without work for two weeks due to no power and distruction. I have submitted disbute within the creditor itself and also XXXX, Experian, and XXXX. No one is resolving the issue.

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