BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-21
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
I made a electronic payment to Shell/cbna account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, SD XXXX an amount of {$34.00} on XX/XX/XXXX the transaction did go through for what ever reason I don't Know the company never call me they never write me on XX/XX/XXXX I try using my card to buy some things and the card decline when I check the card i realize the credit limit decrease to {$200.00} inset of {$800.00}. I called XXXX costumer care representative pick my call I told him My Credit limit decrease, my card is declined, I lost 56 points on my credit report and i want to know the reason, she said my electronic or on line payment didn't go through she said the reason the number was wrong so i made anther transaction and this time it went through.On XXXX I called a representative and he answer me I told him my credit limit decreased he said he can fix it for me I said i may get hard inquire he said i will be fine.He did it online and the computer denied me which i get hard inquire.I told him to transfer me to his manager his name Mr XXXX. Mr XXXX said he has taken out the late payment fee and that the will work the credit report to fix 56 points and the hard inqure he said i will get a letter but i do not get a letter..On XXXX I made a check up I talk to XXXX who said she is a manager and said they can not do any thing in regards to my situation I told her please I'm your loyal costumer and if you check my payment history you will see that i pay my bills in time.She said give me your phone number i will call you but she never call me.Even before that one of them try agin to increase my credit limit and i get anther hard inquire she said don't worry it won't report to the credit company but when i hang up credit karma give me a signal.

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 2017-08-02
Company: JPMORGAN CHASE & CO.
State: NJ
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 called JP Morgan on XX/XX/XXXXwith a complaint about the " Chase Ultimate Rewards '' program. My points are supposed to be worth XXXX  cents per point via their travel site. In trying to book a hotel room via the Chase portal, the rooms were marked up by 20-40 % above what the same rooms cost on the XXXX website.
I asked Chase / JPMC to explain why this was happening and was told it would take 7-10 for them to investigate and get back to me. I told them I believed this was consumer fraud, I asked for copies of the card holder agreement related to the Chase portal and asked JPMC/Chase to confirm that all of my calls with them were being recorded. I asked Chase to self report my complaints to the CFPB at that point.
I am very frustrated that the points I earn are being devalued by the fact that Chase is forcing me to use them via a portal where the hotels are being offered at an inflated amount, not the market value. That means the points are worth XXXX cents, not the XXXX cents in the card holder agreement.
I waited 10 days and did not hear back from Chase. I followed up on XX/XX/XXXX and was told I would hear immediately ( either XX/XX/XXXX or the morning ofXX/XX/XXXX ).
I have given Chase the opportunity to manage this directly with me, but they have n't taken the opportunity to return my call to explain how the value of the points are calculated or why I might be seeing something incorrectly via the Chase booking portal thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11
Company: Home Point Financial Corporation
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We Closed on a {$260000.00} XXXX XXXX on XX/XX/2016 with XXXX XXXX, due to an enticement of $ XXXX XXXX credit at closing ( see attached closing document ) which I was told would fund my property tax & insurance escrow & payments , among other items. I was told by the mortgage broker, XXXX XXXX, that I had to have an escrow to receive the full funding and I could cancel the escrow in the future because my loan to value was only 30 % - 40 %. I would NOT have accepted the mortgage without that proviso. This is supported by verbiage in the closing documents ( attached ) which states, a ) " For now, you will have an escrow account ... '', and on the same page, b ) " In the future, you may be able to cancel your escrow account, but if you do, you must pay your property costs directly. '' I am prepared to do this, as I have had many different homes & mortgages for XXXX years and have always paid my own taxes & insurance. 
In XX/XX/XXXX XXXX merged with HomePoint Financial, who now services the mortgage, and is now requiring a significant increase in my payments to cover their required " cushion ''. 
Upon receipt of this significant increase notification, I called to cancel the escrow & was told by a customer representative I could not, as this was a HomePoint Financial requirement. I explained those were not the terms of my mortgage and that didn't matter. I spoke to a HomePoint manager in XXXX, TX, XXXX XXXX, who reiterated the HomePoint policy of required escrows. 
In addition to being in breach of the contract we signed with XXXX, which contract survives their merger, I believe that this is merely a mechanism to slowly regain the funds given to me at the original closing by retaining thousands of " excess '' dollars of my money in their reserves earning interest & gains for them versus in my accounts. Im sure they take this unlawful and unethical approach with as many customers as will let them. With as low of a Loan-To-Value ratio as ours is, 30 % - 40 %, they have zero risk of losing money due to non-payment of taxes or insurance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am filing this complaint because I have disputed and contacted LVNV Funding about two debts that were fraudulent. I have contacted them previously and disputed formally a total of three times with the credit bureaus and directly with LVNV. 
I made every attempt to complete my fraud claim with both XXXX  XXXX and XXXX  XXXX, but they both closed the accounts and sent them to LVNV Funding Collections. 

On XX/XX/XXXX, I mailed a certified letter to LVNV Funding asking for account history and transaction history from LVNV on both accounts. They replied with letters stating when the accounts were opened and who was the original creditor, therefore providing no proof or documents requested. They are just " in house '' statements. The letters ( noted as Doc 1 and Doc 2 attached ) was manufactured by Resurgent Capital, a sister company of LVNV Funding- not by XXXX   XXXX XXXX  or XXXX  XXXX XXXX. 
I even enclosed an FTC Identity Report ( XX/XX/XXXX ) and mailed that to LVNV. 
I again received documents stating that the debt was valid and they consider it to be " collectable ''. I updated my FTC Report today and attached it. 

LVNV has no history from a transaction or fraud investigation perceptive, yet they are dismissing my fraud claims. Please see attached documents for review and I appreciate your assistance with this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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:
per complaint number XXXX bank of america was to correct info on acct ending in XXXX on all credit reporting agency within 30 to 90 days. this has not been done and acct is still showing XXXX owed and charge-off status. I have called and left voicemail with my cell phone number to contact me back 20 times with XXXX XXXX AND XXXX XXXX for over 40 calls and no reply back. this acct has been disputed over 5 times and on each occasion they have taken over 30 days with no response. which violates the consumer financial protection act. This is ongoing issue that has lasted over a year with no resolution. please also not that this acct was disputed on XXXX with not response at all in 60 days which is another violation. The complaint and request for investigation was sent to address provided by bank of america to all credit reporting agencies. It was sent via certified mail. all documentation is attached.

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 2021-02-02
Company: Exeter Finance Corp.
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:
For the past 60 days I sent you a dispute for hard inquires I didn't authorize with a FTC report stating I been a victim of identity theft, I send out another FTC report 2 weeks ago which they said they didn't received it, I also called and they couldn't help this matter. 


I have filed a dispute in regards to incorrect items on my credit report, it has been well over 30 days and I haven't received any investigations results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
Capital one issued a debt collection/charge off account on my credit report ( XXXX, XXXX and XXXX without verifying the debt and a contract with my signature. They poated the report to all three bureaus without notifications me of the debt. I advised that this was not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: Receivables Management Partners, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received correspondence from Receivables management in an attempt to collect a debt. Receivables management has themselves listed as the creditor with no account information listed. Please be advised this is not a refusal to pay a debt, but a notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is required. 
No dunning notice was provided and I have no knowledge of this account or any knowledge of any contract with this institution. I request that you please verify the following information to assist identifying whether this debt is valid:1. Full original account number2. Date original account opened3. Any and all written agreement ( s ) between myself and the diversified consultants stating I agreed to pay alleged debt3. Consumer address at which original account was opened4. Date of first delinquency5. Itemized calculation of alleged debt 6. Original signed contract between myself and this creditor, not a copy. 
7. A copy of all payments made with beginning and ending balances 8. original creditor. 
If Receivables management is unable to provide all of the above identifying account information I will have no recourse but to presume the debt invalid and/or fraudulent and request account DELETION from ANY and all credit reporting agencies without further discussion of payment in full or partial settlement.This is my attempt to verify the validity of this alleged debt and I appreciate your transparency and cooperation.Please conduct all communication through written correspondence to the following email address ( s ) only : Name : XXXX XXXX Email Address : XXXX Mailing : XXXX XXXX XXXX XXXX, XXXX MI, XXXX Absolutely no phone calls from Receivables management in any manner other than permitted I will cease all communication ( invoking my legal right to request fco to cease communication ) with the presumption that the debt is invalid and that I own zero responsibility ( in part or whole ) for the repayment of said debt.Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
XXXX XXXX account is reported multiple times only one account should be posted. XXXX XXXX is reporting what the creditors pay them to post even if it's inaccurate. XXXX XXXX is reporting more than once and it's the same accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have been banking with Navy Federal Credit Union since XX/XX/XXXX!  Our history has been great until I realized that all credit cards and loans are fraud. I sent in several debt validation letters via certified mail and had no response from the company. After missing couple of payments for my credit card balance, of course, they followed up with phone calls and letters. They even updated my credit score with negative payment/missed payments. Over the phone, they failed to provide proof of the debt and kept saying that I owe the debt. No original contract, no wet signature. In order to enter into a contract, two parties must sign, right? 
On XX/XX/XXXX : I decided to settle the debt ONCE again in form of a XXXX and XXXX which were both accepted by the Internal Revenue Service. Once again, no update from Navy Federal Credit Union nor have they settle out the accounts. Now Im here to report them here. 
They can not lend us real credit, we're the creditors. All debts are FULLY repaid from day one. All loans and credit cards are fraud through deception. They monetize our signature and gave it back to us in form of a loan. 
Public Law and Public policy 73-10 Chapter 48 Stat 112 states that the U.S. Government is obligated to pay off all debts incurred by the American people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Stolen identity Under Closed accounts XXXX XXXX XXXX XXXX XXXX   open XX/XX/XXXX15 Amount XXXX Attached is copy of police report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-02
Company: Nelnet, Inc.
State: MO
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this item with the credit reporting agency and they reported confirmed the account as valid. 

In a good faith effort to resolve the matter amicably, I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of the authority in this matter. They have failed to comply with investigations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These are a list of fraudulent accounts and inquires per bureau EXPERIAN Child support enforcement {$350.00} XX/XX/XXXX XXXX XXXX Install {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$940.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$350.00} XX/XX/XXXX XXXX XXXX Install {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$940.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX  XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX  XXXX XXXX inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$350.00} XX/XX/XXXX XXXX ( XXXX ) XXXX Install {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$940.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX {$550.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX I am currently in the process of filing a lawsuit with ( XXXX XXXX of XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ) against the credit bureaus. XXXX, Experian and XXXX for non compliance with the FCRA. I have mailed in numerous certified letters ( in which I have all receipts as well as a full comprehensive copy of my credit report along with my police report ) I mailed this to the bureaus XX/XX/XXXX. I have called at least 6-8 times and was given the run around every time in my lawsuit I will be naming the following indiviauls - ( Experian ) XXXX XXXX XXXX Operations Supervisor XXXX XXXX CEO Experian XXXX XXXX XXXX XXXX Vice President and Associate general counsel - ( XXXX ) XXXX XXXX Senior Vice President -XXXX Fraud ID Theft XXXX XXXX Vice president and Group counsel XXXX XXXX XXXX XXXX Corporate Vice President Chief legal officer - ( XXXX ) XXXX XXXX XXXX Vice President XXXX XXXX XXXX XXXX Director fraud and identity management XXXX XXXX Senior Attorney XXXX XXXX XXXX exec VP/gen counsel XXXX XXXX vice president and division gen counsel

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 2019-11-15
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
My company XXXX XXXX sells XXXX   parts on XXXX. We are paid through Paypal. We transfer our money to our bank account through a ACH transfer. On XX/XX/XXXX I transferred XXXX to my bank account but it never arrived. I contacted Paypal and they did a trace on the transfer. I got back a ach transfer trace number which according to my bank and several other banks the number is not a ach transfer trace number. A ACH transfer trace number is a nine to twelve numeric digit code. The number I received is 20 digit alpha numeric code. I contacted paypal and told them this was not a correct code for my bank. The supervisor contacted the ach department and was told the my bank would not recognize the code since it was created by there clearing house XXXX XXXX XXXX. I need the correct trace number but have been told by Paypal that they can not help me any further.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : 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