BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Last XX/XX/XXXX and after 18 months had developed a perfect on-time payment history on a ( SLATE ) credit card it had moved into an extraordinarily high ( 24.9 % ) rate credit card, so I paid it off, in full with a certified cashiers check as advised by the bank and applied for another interest free card ( Freedom ) and was approved but was told to await receipt of the new card before I could do any balance transfers right away, as I was attempting to move some other debt the interest free card. After not receiving the new card for approx. 2 weeks I called in and was told my approval AND any application data was missing and was casually asked to apply yet again. I finally did so a few days later in the middle of last XX/XX/XXXX, waited for the new card which did arrive and then waited the obligatory 10 days before finally able to establish a {$3000.00} credit line and made the balance transfer of approximately {$1000.00} on XX/XX/XXXX to pay off an XXXX XXXX XXXX credit Card in anticipation of going ahead with a home loan approval where paying off that card was their Underwriter 's requirement to actually be able to proceed with the loan process. Suffice it to say that my goal was to move any debt I had left at Chase Bank onto the interest free card I had now in my wallet. Sounds simple but from there things get a bit hazy. The long and the short of it is that it took 41 days for the payoff to arrive at XXXX and by that time I and my loan approval had expired. When I asked why, an XXXX executive officer told me I had not been truthful and not actually ( as I insisted I had ) paid off that {$1000.00} balance on the XXXX card ending in XXXX. When I inquired at Chase bank as to what had happened to the balance transfer in XXXX I was told their 3rd party vendor had issued a check ( not made an ACH transfer as I had been assured it was to be that way ) and sent that check to XXXX at a XXXX XXXX XXXX in XXXX California. I called back to XXXX to ask them about that address and they had never heard of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
The services will not let set up auto pay while I have an in school deferment. I would like to make monthly interest payments while I am in school. They said I could make one time  payments or have my bank send monthly payments. The issue is they do not apply the payments correctly. I made a payment which was drafted from my bank account on XXXX/XXXX/XXXX but has not been credited to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: Experian Information Solutions Inc.
State: AZ
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 have disputed the information you listed on my report : XXXX XXXX XXXX AZ XXXX # XXXX : Unverified Account XXXX # XXXX : Unverified Account XXXX # XXXX : Unverified Account XXXX # XXXX : Unverified Account XXXX XXXX XXXX  Account # XXXX : Unverified Account XXXX Account # XXXX : Unverified Account XXXX # XXXX : Unverified Account XXXX # XXXX : Unverified Account XXXX XXXX # XXXX : Unverified Account XXXX XXXX  XXXX # XXXX : Unverified Account XXXX XXXX XXXX XXXX # XXXX : Unverified Account XXXX XXXX XXXX # XXXX : I have never paid late these 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 non-monetary relief
Consumer complaint received 2017-10-27
Company: Experian Information Solutions Inc.
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:
I have recently obtained a copy of my credit file and there are many mistakes in my report : Court XXXX XXXX CT CO XXXX - XXXX : Too old to have in file XXXX  Account # XXXX : Unverified Account XXXX XXXX XXXX # XXXX : Too old to have on file XXXX XXXX XXXX # XXXX : Too old to have on file XXXX XXXX XXXX # XXXX : Too old to have on file XXXX XXXX XXXX # XXXX : Too old to have on file XXXX XXXX XXXX # XXXX : Too old to have on file XXXX XXXX XXXX # XXXX : Too old to have on file XXXX XXXX XXXX # XXXX : Too old to have on file

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 2022-03-31
Company: Experian Information Solutions 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:
I have written several disputes to XXXX, XXXX XXXX and the 3 credit bureaus regarding some lates they reported on my credit. I requested deferments with the creditors and they agreed and said they would not report me late. These all occurred during Covid when I was affected by the pandemic. I am asking due to the Cares act that you please help assist me with getting the creditors or bureaus to remove the lates they reported that have caused my scores to drop over XXXX points.

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 2022-03-31
Company: TRUIST FINANCIAL CORPORATION
State: MD
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:
My mortgage was transferred ( or sold ) to Truist Mortgage in XXXX of XXXX.I have made all of the required payments on time however, Truist persists in erroneously showing that my XXXXXX/XX/201 payment was delinquent.

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 2019-06-28
Company: EOS Holdings, Inc.
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi, on XX/XX/2019 the main 3 credit bureaus received via certified mail my request asking for proof of this account a collection company has placed on my credit file, The credit bureaus have responded to me that this creditor EOS CCA has verified my information with them and that the account is accurate. EOS CCA sent me on XX/XX/19 a letter with my name and address saying the original creditor is XXXX XXXX XXXX with a due bill of XXXX. I sent them a letter on XX/XX/2019 that they received via certified mail asking them to send me proof that I have opened this account with them, I told them this account is not mines, I have never in my life opened any account with XXXX  XXXX. This does not belong to me. They have not responded to me and continue to report this collection account to the credit bureaus inhibiting my ability to obtain credit, mortgage etc. I would like this account deleted please from all credit bureaus. I have NEVER opened any account with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: LD Holdings Group, LLC
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I am in a fixed income situation. In order to avoid a potential foreclosure due to the increase in the drastic price elevation, I cancelled XXXX services with my mortgage company, LoanDepot, i.e. an insurance policy and tax payment service. The result of my action I now pay down the debt plus interest. I had {$2300.00} in escrow with LoanDepot. 
LoanDepot has taken the funds that were in escrow and called it a payment. I believe this is illegal and I want the escrow funds returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Block, Inc.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Used Cash App for the first time today. Searched my friend and clicked the name and the pay screen came up. Wrong person got my {$150.00}. Cash app says all I can do is ask the person to refund. Says I should've looked at their profile but I was never given the option. The profile is nothing but the name and date joined so how would that even help? Anyway my friend is broke down with no money. I'm a XXXX senior who can not afford to lose {$150.00} to a company claiming they have no control over transactions. I'm in a XXXX  XXXX between my XXXX XXXX  and cash app where both are sending me to each other and both are claiming they can do nothing. I need for cash app to step up and cancel the transaction and refund my {$150.00}. Can you help? Please?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX/XXXX/XXXX I sustained an animal bite and was directed to the XXXX XXXX Department where I received XXXX XXXX. Before being XXXX, they updated my medical insurance information and contact details. 

In XXXX XXXX my medical bill for {$2900.00} was still showing as outstanding in the hospitals patient portal, so I contacted XXXX and they instructed me to contact my insurance company, XXXX, as the payment had not been received yet. XXXX said they never received a claim from XXXX for this ER visit and instructed me to file the claim personally, which I did. I used the online interactive form and forwarded the claim documentation to the insurance company and to XXXX. Both XXXX and the XXXX XXXX XXXX XXXX department confirmed receipt of my claim and I kept both organizations on copy in my e-mail filing the claim. 

I had used the same insurance with XXXX previously and I did not have to file the claim myself - XXXX billed the insurance company directly and received the payment without me getting involved in the claim process at all. 

In XXXX XXXX I received a letter from XXXX XXXX XXXX informing me that XXXX XXXX XXXX have placed my account with XXXX XXXX XXXX for collections. I tried contacting XXXX to clarify, but every time I call, my call is routed to XXXX XXXX instead of XXXX and I was informed that I would not be able to speak with an XXXX representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: The Law Offices of Gerald E Moore & Associates, PC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have written this week regarding XXXX XXXX and XXXX XXXX seeking financial remuneration for unknown when they as a XXXX person by XXXX XXXX refused to relocate me to another unit and caused constant backups in the ground floor rust and rotted low income housing complex I moved to and constant chaos. The bathtub backed up with black soot or tar and finally had to leave, withheld my rent and they decided to want to sue me in housing court to evict me. I refused to endure any more duress, had relocated as It was affordable had just lost my home after 20 years and my mother fell ill and was traveling back and forth in addition to having them become privy to my attempts to file for public assistance to cover my moving costs as they made me wait almost a month for an inspector report that they did not schedule costing me hotel and further living costs that were to pay towards my moving that is still sitting in storage as I became XXXX and was denied five or six apartments by further sabotage and subsequent credit cards and other items by placing on my credit report. They refuse to stop and it is continuous. XXXX XXXX XXXX XXXX services assisted and vacated the apartment by XX/XX/19, left, traveled around cane back to donate and put the remainder of my stuff in storage to date and my mother died a few weeks later. All to continue to perpetuate hatred.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: EQUIFAX, INC.
State: NY
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 have reached out to the bureaus on XX/XX/2020 and I haven't received any type of indication/notification of the investigation being worked on. These Accounts is inaccurate and I'm seeking litigation please delete at once. I feel like i'm being taken advantage of at this point. It's been well over 60 days I just want these problems resolved. According to the FCRA these inaccurate unverifiable items must be deleted immediately.

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 2019-04-01
Company: Credit Protection Association, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The issue I've been having is with XXXX XXXX, the provider of the XXXX XXXX service in Florida. I was a customer of XXXX until the end of XXXX, terminating my service on XX/XX/XXXX. My account was set to auto-bill to my credit card ; therefore the month of XXXX was paid up in advance and there were no issues. Subsequently, I received a bill for services provided in XX/XX/XXXX, with an auto-bill to my credit card for the full amount. I disputed the transaction for XXXX services with my credit card company and successfully had it resolved. 

XXXX then sends me a bill for XXXX services ( 2 full months after I've ended my service with them ). I call their customer service, and they tell me it is normal - it sometimes takes 1-2 months for the billing to clear up, and I should just ignore it. Then I get a past-due notice from XXXX towards the end of XXXX, with same results. Call customer service, they apologize and ask me to ignore it. Now, I get an official debt collection notice from a collection agency being used by XXXX threatening to put a negative item on my credit report ... and I have literally NEVER been late with a payment in my entire life on my credit report. 

XXXX 's practices of continuing to charge customers ( or at least attempting to ) months after the end of service and going as far as sending " unpaid '' bills to debt collection are outrageous and need to be stopped. I'm attaching documentation that shows the same ( if the opportunity is provided later ).

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 2022-03-31
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
A few months ago I sent the consumer reporting agencies letters notifying them that there is inaccurate information on my credit reports like my name, birthday, address, and employer. I sent them together with a copy of my ID, proof of bill, and social security card. I believe that they mixed my information with someone else or I am a victim of fraud. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

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 2022-03-31
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
A few months ago I sent the consumer reporting agencies letters notifying them that there is inaccurate information on my credit reports like my name, birthday, address, and employer. I sent them together with a copy of my ID, proof of bill, and social security card. I believe that they mixed my information with someone else or I am a victim of fraud. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: WELLS FARGO & COMPANY
State: MD
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:
When I first applied for the private student loan back in 2011, it was supposed to be a 4 year fixed interest loan for {$4000.00}. From XXXX the loan 's interest rate fluctuated every month and even though myself and my mother made monthly payments ( more than the minimum and paid on the interest while it was in forbearance while attending school ) on the loan, it continued to increase. Now I owe more than what the loan was taken out for which is currently {$4600.00}. The loan was sold to XXXX XXXX and I have had to put it in forbearance several times because I can not make the payments. I am XXXX XXXX XXXX  and I need this loan to be taken care of immediately. Wells Fargo took advantage of students needing personal loans to attend school and now most of us are in debt because of these companies and their fluctuating interest rates.

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 2017-10-27
Company: Second Round Limited Partnership, Austin, TX Branch
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Collection XXXX XXXX XXXX XXXX XXXX XXXX Called XXXX/XXXX/XXXX, XXXX XXXX left no message. 
I called back at XXXX XXXX and instructed XXXX instructed me they were working on behalf of Second Round in an attempt to collect a debt.I told XXXX not call my number again or any number he may have associated with my name or account. I then provided XXXX XXXX XXXX name and phone number ( my Attorney ) and ask he contact him directly. He said OK and thanked me for calling. 
Today is day two since their first call and I have yet to receive anything in writing from Second Round or XXXX XXXX XXXX XXXX XXXX in regards to any debt that I may owe. Its my understanding that under the FDCPA they must supply documentation by day 5. My  credit report was pulled by XXXX XXXX XXXX on XXXXsoft pull. 

Today XXXX and still have not received any documentation from anyone concerning a debt I owe. 
. 
Today XXXX/XXXX/XXXX Debt collector XXXX XXXX called ( XXXX ) but left no message. 

XXXX/XXXX/XXXX I returned the miss call and they stated they were working on behalf of Second Round and attempting to collect a debt. I told them to speak with my lawyer and gave the info to them. 
I followed up and emailed Second Round informing them they were in violation of the FDCPA for having their collection network call after being advised I had an Attorney and to only call him and no longer attempt to contact to me. XXXX/XXXX/XXXX. My credit report was pulled by XXXX on XXXXsoft pull. 

XXXX/XXXX/XXXX ( XXXX ) XXXX XXXX called. I returned the call advising them that they had violated the FDCPA rule and XXXX comment was that it was a mistake, she was not trying to call me, it was just that I was in their system. She did acknowledge that she had violated the rule. 
Also, today XXXX/XXXX/XXXX, I have yet to receive any documentation from any debt collector in regards to any debt. My understanding is no later than five days after a collection call, its required that the collector send a letter describing the debt. 

XXXX/XXXX/XXXX, yet to receive ANY documentation. 

XXXX/XXXX/XXXX pulled credit report and noticed recently Second Round had placed a collections account and derogatory mark on my credit report causing my score to fall 22 points. Again, I have never received any account info, debt owed or any other communication from a debt collector in writing that I owed this debt. 

As noted, I believe Second Round ( the main collector ) violated the FDCPA by calling after advising them of my Attorney and providing his contact number. I also believe my rights were violated when five days expired and I did not receive any documentation following their calls. Today ( XXXX ) I have not received one single letter from any debt collector including Second Round, XXXX XXXX XXXX XXXX or XXXX XXXX in regards to any debt whatsoever.

Company response to consumer: Closed with explanation