BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-03
Company: JPMORGAN CHASE & CO.
State: NJ
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:
HOW MANY TIMES DO I HAVE TO TELL YOU?!?!? THEY WOULD NOT ALLOW ME TO RETURN THE MERCHANDISE!!!! BECAUSE THEY CLOSED MY ACCOUNT!!!! I'VE SHOWED YOU THIS DOCUMENTATION NUMEROUS TIMES!!! DO NOT TELL ME MY DOCUMENTATION WAS NOT SUFFICIENT ENOUGH TO SUPPORT MY CLAIM. YOU JUST DON'T WANT TO ADMIT YOU MESSED UP BECAUSE YOU DON'T WANT TO COUGH UP THE FUNDS TO PAY ME BACK YOURSELVES!!!! TOO MUCH TIME HAS PASSED TO REOPEN THE DISPUTE?? THAT'S BECAUSE YOU XXXX  XXXX  COULDN'T READ!!! OR PRETENDED LIKE YOU COULDN'T ANYWAY. YOU EVEN WENT IN FAVOR OF THE MERCHANT BASED ON A RESPONSE THAT DIDN'T EVEN HAVE ANYTHING TO DO WITH WHY I WAS DISPUTING THE CHARGES!!! THEREFORE YOU NEED TO COVER THE COST OF THE MONEY I LOST DUE TO YOUR NEGLIGENCE!!! I DIDN'T RESPOND IN TIME?!?!? I DID RESPOND, AND I PROVIDED MY CALL HISTORY TO PROVE IT. IF YOU REALLY LISTENED TO THE PHONE CALL YOU WOULD KNOW THAT WAS ME RESPONDING TO THE DISPUTE, AND THE AGENT TOLD ME TO WRITE A LETTER AND SEND IT TO YOU BY XX/XX/XXXX, WHICH I DID!!! I SHOWED PROOF OF THAT AS WELL!!! YOU LISTENED TO THE PHONE CALL FROM XX/XX/XXXX AND IT MET YOUR SERVICING STANDARDS?!?!? THAT'S FUNNY, CAUSE THAT JUST PROVES THAT YOU ACKNOWLEDGE HOW YOU TREAT YOUR CUSTOMERS LIKE XXXX  AND THOSE ARE YOUR SERVICING STANDARDS!!! BUT I DOUBT YOU LISTENED TO ANYTHING, BECAUSE IF YOU REALLY DID, YOU WOULD'VE SAID YOU LISTENED TO THE PHONE CALLS ON XX/XX/XXXX, NOT PHONE CALL. I SAID I CALLED TWICE THAT DAY, AS EVEN MY CALL LOGS I PROVIDED IN MY INITIAL COMPLAINT WITH THE CFPB SHOW. YOU ALSO NEVER SAID ANYTHING IN RESPONSE ABOUT THE PHONE CALL THAT TOOK PLACE ON XX/XX/XXXX, WHICH PROVES YOU DID HEAR FROM ME BEFORE XX/XX/XXXX, AND THAT THE AGENT TOLD ME I HAD UNTIL XX/XX/XXXX TO WRITE A LETTER AND SEND IT TO THE DISPUTES DEPARTMENT. YOU STATE ALL PHONE CALLS ARE MONITORED AND RECORDED, BUT APPARENTLY YOU ONLY USE THEM TO YOUR OWN ADVANTAGE. WHEN IT COMES TO THE CUSTOMER HAVING PROOF OF SOMETHING, YOU DON'T WANT TO PROVIDE THE PHONE RECORDS!!! I DEMAND FOR YOU TO LISTEN TO THE PHONE CALL FROM XX/XX/XXXX AND PROVIDE IT TO ME AND THE CFPB. BECAUSE NO MATTER WHAT XXXX STORY OR COMMENT YOU MAKE ABOUT IT, THE CONVERSATION WILL PROVE THAT I RESPONDED IN TIME IN ACCORDANCE WITH WHAT THE AGENT STATED TO ME. AND IF YOU REFUSE TO PROVIDE IT, THAT IN ITSELF PROVES YOU'RE NOTHING BUT NO GOOD LIARS WHO JUST REFUSE TO TAKE RESPONSIBILITY FOR YOUR ACTIONS. YOUR RESPONSE TO MY CFPB COMPLAINT SHOWS YOU PURPOSELY DISREGARDED EVERYTHING I SAID BECAUSE YOU DON'T WANT TO ADMIT YOU MISHANDLED MY COMPLAINT BECAUSE THAT WOULD MEAN YOU'D HAVE TO CREDIT MY ACCOUNT FROM YOUR OWN POCKETS. AND IF YOU DO NOT PROVIDE THE PHONE CALL AND CREDIT MY ACCOUNT APPROPRIATELY, I WILL SUE YOU IN COURT FOR THE FUNDS...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-10
Company: Experian Information Solutions Inc.
State: WI
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 did not open these accounts and I strongly suspect that they are fraudulent.

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 2018-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
Cap One XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Capitol One there is a hard inquiry on my credit report, I have not applied for any type of credit card from them. I don't know who keeps trying to get credit under my name but it needs to stop. XX/XX/2016 when the pull occurred.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-05
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
XXXX service call my cell phone misleading saying their where a financial bank offering lower rates already approve, run my credit report without my consent, found out cause XXXX send me a report about my already account. They offer 0 % for the remaining of my open account if I paid on time. Got credit card info and what they said is not true- is a introduction 1 year only and after it goes to whatever % credit card is offering and finally they charge {$990.00} for a balance transfer of {$2500.00} from XXXX XXXX XXXX Call to asking all the above and the supervisor answer with nasty words. When I said what their doing is fraud, and reporting to consumer report agency. Card that approve city simplicity the balance transfer said is happening more and more nothing they can do. I said you should requested XXXX with the person openning 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 2017-12-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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 accumulate points for every dollar I spend on the card, I am supposed to get a XXXX gift card at the end of every year. I have not received the gift card in a couple years and when I called in they could not locate an account even though I have a card, and receive statements every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Transunion is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted multiple complaints informing Transunion that I was a victim of identity theft. Transunion is failing to block or remove the account from my report. Im again attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please delete the whole account from my file : XXXX 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 non-monetary relief
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXXXXXX

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 2021-03-04
Company: DISCOVER BANK
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: Account information incorrect

Complaint:
XX/XX/XXXX Discover Financial was paid balance in full. 
Afterwards, small balance reflected and gained interest and late fees. 
All information of balance, statements, and phone calls went to wrong address. 
In XX/XX/XXXX discovered credit score has decreased consequently.

Paid Balance to settle account but should not report late from XXXX on and impact my score as I have had no awareness of such a balance. 
I have attempted to dispute with credit bureaus four times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Equifax has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I decided to rent an apartment for my upcoming university years from XXXX to XXXX. I saw this apartment listed on XXXX with the rent per month is {$900.00}. I emailed the landlord, he provided me the contacts information so we can be in contact ( the email : XXXX with his phone number : XXXX ). In his first email he said he has stage XXXX XXXX so we can't call him, only contact through emailing and texting. In that very first email also, he said his wife passed away, this is his and his wife 's house so he needs someone is responsible that can take care his house for him because he is now living in XXXX  so he can be able to live with his family, money is not a problem right now to him. We felt genuinely bad for him so we agreed that i have to pay 2 months which is the first month and the last month ( {$1800.00} ) and a {$1000.00} security deposit. I transacted him {$2800.00} with {$2000.00} on XX/XX/XXXX and {$800.00} on XX/XX/XXXX ( He emailed me and texted me everyday, rushed me to send him the money. After that, we already signed on a lease agreement. Later, he emailed me that his lawyer found someone to pay 8 months of rent and asked if we pay them 4 more months rent, they will keep the apartment for us, he emailed me everyday saying things like please, I want you to be my tenant or we already came this far, paying the last time and we will be done. I was stupid and did not see his bad intention in which I sent him 4 more months rent on XX/XX/XXXX ( the total {$3600.00} ). He said he will send me the keys and documents for the apartment. It never happened, the assumed landlord put the package in USPS on-hold and demanded 2 more months of rent to be able to send us the keys and documents, and we did not agree. I sent him several emaiIs and texts about our decision and asked him to send us all our money back, he only emailed us back after several days after many emails I've sent, he begged us to send more money so we can finish and receive the keys with documents ( different than when we have to send him the money, he emailed us every single day ). I sent him many other emails for him to transact our {$6400.00} in total, he did not send any emails back. I texted him many times through phone number, he ignored it. I called him several times and each time, he declined my call and later that day, I found out that he blocked my phone number and everything. I believed he used this phone number for scamming since the one he used to register for the XXXX account for this email ( XXXX ) is a completely different phone number that ends with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
We processed a payment to our company of XXXX and they said they kept funds for some other account that had a negative balance. This was from Square. We don't have any other square  accounts, yet they are keeping our money. 

During this pandemic, that money is vital for us to stay in business and they are fraudulently keeping our funds

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: Freedom Mortgage Company
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am a 100 % XXXX veteran and my VA mortgage is currently with Freedom Mortgage loan number XXXX. A few months ago Freedom re-calculated my monthly escrow amount and increased it and I was not aware. I continued to send in the same amount. They have returned cashier 's checks because the amount was not the full amount and have not processed checks they have received but have held on to. Thus my XXXX and probably XXXX mortgage payment are going to report late. They did receive the funds which covered the principal and interest payments and should have accepted the payment and allowed me to send in the shortage amount of the escrow amount due. There have been headaches since Freedom took over the mortgage in XXXX. 

My credit is now being ruined because of these late payments being recorded

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 2021-11-03
Company: TRANSWORLD SYSTEMS INC
State: FL
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:
I took care of the settlement balance of {$720.00}. I was told that the debt would be removed from my credit reports and it is still reporting. Confirmation of payment is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Carrington is saying I'm {$3100.00} past due. I have been paying Carrington since XX/XX/XXXX when they took over my loan. But now XXXX XXXX XXXX is asking permission from the bankruptcy court to foreclose on my home. I have been making {$560.00} ever since XX/XX/XXXX. My payment has increased to {$630.00} but Carrington has been letting me pay {$560.00} anyway and I make sure before I payment which amount I should pay. They record phone calls and they can do research to go back and they will have it on record them telling me to pay {$560.00}. I believe that the XXXX XXXX XXXX told them to let me keep paying the {$560.00} so they could complain to the bankruptcy court that I've haven't been making my payments. Today I paid 3 payments of {$1200.00} XX/XX/XXXX. I am really being harassed Carrington and XXXX XXXX XXXX and being retaliated against because of the complaints I have made about this problem! XXXX XXXX XXXX allowed me to make a partial payment of {$180.00} because I had some unapplied funds which XXXX   XXXX XXXX applied to my XX/XX/XXXX payment and XXXX XXXX XXXX says I am {$3100.00} past due which is 5 payments since Carrington took over. I do have the letter which XXXX XXXX XXXX sent to me about accepting the partial payment of {$180.00} which was applied to the unapplied funds, to equal to the {$560.00} payment. And XXXX XXXX XXXX still wants to foreclose on my home!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
in the month of XXXX the XXXX sent them XXXX for the monthly payment, then later I received a bill that did not include the payment so with the bill I sent it back to them with a hand writing note in the bill with a money other can remember the amount but it the note I ask what happen to the payment that I made, I received no answers an no other bills until today that I saw DCI collection pu it in my XXXX credit repot.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: SYNCHRONY FINANCIAL
State: IL
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:
did not authorize inquiry

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 2021-09-27
Company: TD BANK US HOLDING COMPANY
State: MI
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, i had rightfully disputed this Target account in year 2018 in which it was agreed upon and blocked as well as removed in 2018. Today this same account shows up on the credit report again. This is harassment and i am requesting that this account be removed permanently. 

TD BANK USA /TARGETCREDIT XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-30
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I fell victim to a online personal loan scam which I already filed a claim on. They deposited {$840.00} into my Chase bank checking account which I was able to withdraw. The fraudulent loan company said it was to raise my credit score and they had to deposit a larger amount of {$1300.00}. At this point I received a notification from Chase that they were putting a hold on the check until XX/XX/XXXX and that was all I heard from them. Later that day Friday the XXXX I went to get gas and my card read invalid so I went to another station and same thing happened! Now Im freaked out so I call Chase and the guy says my account was closed. I asked him why and he said I would have to call corporate and I demanded he connect me, I was livid because I had just been embarrassed twice in front of my little boys! The man from corporate was rude and arrogant from the start and said yes my account was closed because I dont meet the criteria for a Chase customer! He said the checks deposited were bad and I was on the hook for them. He made me feel like the criminal! This is the only incident I have ever had with Chase, they offered no help nothing. I asked him when were they going to get around to telling me my account had been closed and he said I should get a letter in about 10 days!! I cant get the money left in the account out, Ive had to contact everyone that I paid through my debit card, Im on XXXX and I dont if I got to Social Security in time to stop next check from going to Chase? Its caused me a living nightmare! I told the man, you know if I had a million dollars in this bank this would be handled way different, he said if I had a million dollars in his bank I wouldnt be XXXX enough to fall for a scam!!! This is just unacceptable treatment period!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a letter to Portfolio Recovery Associates , LLC alleged account number XXXX, dated XX/XX/2022 with certified mail number XXXX XXXX XXXX XXXX XXXX, in which they received on XXXX XXXX, 2022 XXXX XXXX, VA XXXX according to the XXXX website. 

This Unverified account is causing extreme Financial hardship and XXXX. It is making it extremely difficult for me to acquire credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-13
Company: Experian Information Solutions Inc.
State: FL
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:
PLEASE BE AWARE THAT THE DISPUTED ACCOUNT REFERENCED IN THE ATTACHMENT ARE CLOSED ACCOUNTS WHICH HAS BEEN PAID FOR IN FULL DUE TO A SETTLEMENT. THIS ACCOUNT NEEDS TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SUPPORTING THAT CLAIM.

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 2021-11-03
Company: MoneyLion Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
A representative called my house, my cell, and texted me in a matter of XXXX at least XXXX times, and then they proceeded to call my employer and misrepresent themselves as an employer for the XXXX XXXX Department , they talked to three different people about a past debt, to XXXX XXXX , XXXX XXXX , and XXXX XXXX , now my employment is up for review, and I look like a criminal to my employers. In a time where we are dealing with a pandemic, I suffered a XXXX XXXX, which cause me to visit the XXXX. and my character was defamed and defiled, by a debt collector who was abrasive, and lying about his/her position, and what they were doing. This debt is old, and should be charged off, but keep being resold for the purpose of embarrassing and harassing past clients. This is unwarranted and unlawful behavior, and will my attorney has been called and will also be reaching out out, no case numbers were left, only to say they are coming either to my house or my place of employment.

Company response to consumer: Closed with explanation