BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-23
Company: Nationwide Recovery Systems, Ltd
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I noticed that I have a collection on my credit report so I reached out by phone to the collections agency to get verification of the debt. They refused to send a letter out and continually asked me for PII that I refuse to provide since I am unsure if this debt is even mine and am concerned they are gathering information in order to try and tie a debt to me that I do not actually owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: JPMORGAN CHASE & CO.
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: Information belongs to someone else

Complaint:
I call XXXX XXXX XXXX today about this Business type Bank Credit Cards I didn't apply for I don't bank with XXXX XXXX never have open up account with them they ask me for my name and social security number see if I have a account with them it came I don't someone have a bank credit cards in my name it on my credit report and this JPMCB Card Services to someone apply for some type Business Bank Credit Cards I don't know this bank

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: John C. Heath, Attorney at Law, PLLC
State: IN
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:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 sec 604 A section 2 It also states a consumer reporting agency can not furnish a account without my written instruction. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This has all cause a drastic drop in my score and unwanted hardship Im a time of need I deserve better I earned it no matter what the reporting is showing

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Early Warning Services, LLC
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I got scammed from someone claiming to be an XXXX employee. I needed help getting a refund and he said he can send it through Zelle. He ended up saying to send him {$350.00} and he will pay everything back. Soon after I paid him he said he will call right back and ended up blocking me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
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: Account status incorrect

Complaint:
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record with this company. I tried contacting Experian, and XXXX XXXX XXXX   with no successful resolution. Experian only reporting me 30 days late. There was an error on their part. I was never 30 days late.

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 2018-02-16
Company: WELLS FARGO & COMPANY
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I filed bankruptcy. Bankruptcy was paid in full 6 months ago. Now my mortgage company says it did not cover the deficit. I do not know how. They well fargo got XXXX From a lawsuit from the bankruptcy. Now they are putting me on a payment plan. Which raises me up to a full 30 years. They are raising my intrest rate. Not offering me the tha plans that are out there. Loan number XXXX. What can I do or get done about this. They have already don illegal stuff as is. I am now getting somewhat reimbursed from a class action lawsuit.

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 2022-08-16
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: Account status incorrect

Complaint:
i recieved a credit card in the mail from XXXX XXXX which i never applied for so i disregarded it until a few months later when i was going over my experian credit report and noticed luckily my score was down XXXX points from very good to good due to lack of payment. since i never make a late payment and my payment history is perfect i looked further to see that it was XXXX XXXX who own the XXXX XXXX XXXX XXXX. i have spoken to XXXX XXXX over 15 times ( first time XX/XX/XXXX XXXX ) and explained that this is fraud and was assured by the rep that it would be reported as fraud and the credit agencies would be notified as suchXXXX XXXX XXXX however did not report it as fraud, they reported that they believe the information was accurate about my payment being late and although they assured 10 different reps that the account has been closed. not one thing that XXXX XXXX or XXXX XXXX  has told me has been the truth. they have lied or misrepresented every communication or information given to me. even with my exceptional credit history Experian has done nothing to protect my credit rating. aftyer multiple frustrating attempts to get Experian to help my case i was last told by them that fraud or identity theft is not their problem i should call the police or fbi. i am a 30 year employee of the XXXX XXXX sheriffs dept. working in law enforcement so i couldnt believe my ears. i was given experian by my employer because someone attempted to open a unemployment case under my name fraudulently over a year ago. experian was given to all of us at no fee to monitor and keep our identity and credit safe and the opposite has been done. as of today the XXXX account remains open with negative late payment reporting continuing on my experian credit report and my score continues to go down. i reached out to XXXX one more time but they refuse to look further into the fraud. this credit was never activated and of course never used and rhere are no charges on it. i believe it is ther activation fee they has has not been paid and refuse to close the account unless it is paid. it is criminal but there is no recourse against this co. respectfully submitted. 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 2022-08-16
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2022 and again on XX/XX/2022 I sent a validation letter to LVNV to validate a false collection and on 2 occasions they sent back a false and misleading form which is violation of my consumer rights. 15 U.S. Code 1692j

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: GA
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:
I am a natural person, I am a living human being. 

I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681.

And they violated my rights numerous of times. I demand the accounts listed below be removed because.

According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: JPMORGAN CHASE & CO.
State: NH
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: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/2021 : My credit card was charged {$24000.00} for the replacement value of a rental car damaged in an accident. The rental car company is in XXXX, XXXX, the card was not present for this transaction and card credit limit was {$8000.00}. JPM Chase approved the charge without checking with me. 

XX/XX/2021 : I saw the charge on my card after receiving a credit downgrade alert from a credit reporting agency. I called JPM Chase immediately and the said they would reverse the charge. JPM Chase suggested we call the car rental company. Despite the fact that the rental car company told us they would not charge the card without informing us first, they said they would not reverse the charge as it had already been approved. 

XX/XX/2021 : The charge had not yet been reversed so I called JPM Chase again. They bounced me around between customer service and disputes for 30 minutes. They finally told me they would not be reversing the charge for 15 days. When I asked why this charge was not flagged ( no card present, foreign country charge, 3x the credit limit on the card ), no one would give me an answer, Their fraud prevention department refused to speak with me. 

XX/XX/2021 : The results of this have been devastating. 1. My young adult children who share the card are unable to use the card make purchases of food, gasoline, etc. 2. My credit rating has dropped XXXX points from the low 800s to the mid 700s, making for an uncomfortable conversation with a potential new employer who required a credit check. 

Summary : I believe JPM Chase was incentivized to approve this charge as they know it will need to be paid off over time and they will collect interest over that time period. They also charged me a {$750.00} foreign transaction fee and likely and over-limit fee. We have a claim through their insurance group as the card covers the cost of a damaged rental car overseas. Based on this experience, it seems unlikely they will honor that commitment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: Big Picture Loans, LLC
State: NE
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
XXXX XXXX 2017 Amount : {$800.00} Received an offer via mail from Big Picture Loans for an {$800.00} loan. When I applied online, I immediately received a phone call from an agent representing Big Picture Loans. This agent had me on the phone before the loan application was complete, and persistently instructed me to hit complete for the loan while not disclosing the loan terms. This agent, nor the application process or acceptance process, failed to inform me that the APR was 664.6513 %, nor did the agent inform me of bi-weekly repayment for the loan. It was n't until after the loan was completed that I had access to the " Truth in Lending '' form from this company. Due to all of these factors, I feel I was falsely given information in selecting this loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-10
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Coinbase, a US publicly traded company put out information that they would support a snapshot based on XRP in XXXX of 2020. In this disclosure they didnt specify that it wouldnt only support the airdrop of $ XXXX, they merely claimed to support the snapshot. Later the company behind $ XXXX released a test token called $ XXXX based on the snapshot Coinbase claimed to support ; however no one has received these $ XXXX tokens from them. They have held them hostage and refuse to understand that their public disclosure indicates they supported the snapshot and therefor tokens distributed based on this snapshot https : //help.coinbase.com/en/coinbase/trading-and-funding/cryptocurrency-trading-pairs/Spark

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: DISCOVER BANK
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
" XXXX from Discover '' repeatedly calls to lower my interest rate. 

The most recent call came from XXXX on XX/XX/2022 at XXXX AM XXXX I keep asking to be removed from the call list and block the originating number. 

Calls continue to come from different numbers ; which I then block as well. 

My phone numbers are in the Do Not Call Registry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: Security Credit Services, LLC
State: VA
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:
I am in the process of trying to purchase a home. I was unaware of a fraudulent debt on my account, until I was declined by the bank for a home loan. I have never received any notification of a debt, notification of right to dispute within 30 days, or any verification of these alleged debts from XXXX XXXX XXXX which is a violation of FDCPA. XXXX XXXX XXXX has destroyed my credit, without notifying me of the same, for accounts that I do not owe. I do not owe XXXX XXXX Services, nor any party that XXXX XXXX XXXX claims to represent. This is the last thing a consumer should have to be facing, especially in unprecedented times, such as these. I demand that XXXX XXXX XXXX remove this fraudulent debt from my credit report or I will sue, and seek the maximum compensation available under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: Big Picture Loans, LLC
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I got a loan with them initially the pay off amount was  XXXX  they would not let me view the truth in lending or loans and started debiting my bank account every  2  weeks  XXXX  I looked on the website and they have made a repayment plan for  1 whole year every 2 w eeks for  XXXX  I would have never signed anything had I known they would charge this much.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-16
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am writing this concern therefore to facilitate your understanding. Back in XX/XX/2022, I received a negative late payment item was listed, I lost my job and created a late payment, despite the actual fact that I scorned receiving this late payment. I do feel precarious relating to it even presently, however, I did get current on the account # XXXX XXXX, as presently as my financial standing improved. I actually have been working hard to create a financial responsible alternative and have better control of my money and secured employment. 

I was looking to get a higher credit limit with Dillards in the near future, and it has come to my attention that the late notation from the company may prevent me from taking full ad- vantage of the best interest rates available. Since that notation does not reflect my current status with Dillards, as it is current, I am requesting that you please give me a second chance at a positive credit rating by revising those tradelines. I sincerely hope that there is redemption at Dillard 's and I plead for such consideration.

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 2022-08-16
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I was approved for HAF with XXXX  months of forward payments. From XX/XX/XXXX through today and going forward I have been reaching out to XXXX and PennyMac to see if funds have been paid. On XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, and XXXX, I emailed XXXX and to date, none of those emails have been responded to. I've sent PennyMac my award letter on XXXX and on XX/XX/XXXX, I received a response saying that to date they have not received any funds from HAF or XXXX and that if payment is not received by the XXXX day of XXXX, a late fee will be added to my account. In order to avoid late fees and negative reports on my credit, I made the payment on XX/XX/XXXX. On the morning of XX/XX/XXXX, I called HAF customer service who advised me that a paper check was sent out on XXXX to all services I was approved for On XX/XX/XXXX, I called PennyMac and spoke to a woman in the HAFXXXX  loss mitigation department who told me that as of XX/XX/XXXX they have received no correspondence or payment from HAF or XXXX XXXX As of today, XX/XX/XXXX, all other approved utilities has been paid by HAF  and my mortgage is the only thing left unpaid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-04
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
This is an update to the recording of appraisal in public records. The public records department was at my home on Wednesday, XXXX XXXX, I spoke to them on Thursday, XXXX XXXX and XXXX XXXX assessor has confirmed the measurements of the appraiser, however he has found that the measurements are less than what the appraiser measured. His findings are XXXX square footage. He has informed me that it will be legally documented by XXXX XXXX, on that day I will receive a email from him with the legal documentation of XXXX XXXX of XXXX in Pennsylvania. Once I have the email I will then print it out and fax it to Wells Fargo and I will send it to the CFPB. XXXX XXXX also informed me that it will not be viewable on XXXX line until one week or so later. If you have any questions in reference to this you may contact him his name is XXXX XXXX his phone number is XXXX, his email address is XXXXXXXXXXXX

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 2019-11-26
Company: JPMORGAN CHASE & CO.
State: WA
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX on around XXXX XXXX, my wallet was stolen from my gym locker and used to purchase over XXXX worth of gift cards that you can buy at the grocery store. Chase refused to acknowledge this theft as fraud and considers these purchases as my responsibility. 

Here is what happened. 

I arrived at my gym around XXXX on XX/XX/XXXX, changed, put my street clothes ( with my wallet ) in my locker and locked it with my lock. After my work out, I went back to the locker room to find my lock was missing along with my wallet from my pants. 

I immediately reported it to the front desk and their response was " uh oh, here 's another one. '' I looked around and 3 or 4 other guys were standing there looking concerned. Their lockers were broken into as well. 

We reported it to the police first and then I started calling to cancel my credit cards. The thieves were able to make purchases on my Chase card at TWO different grocery stores to the total of over {$11000.00}. How was this possible? I have no idea! 

According to the gym, two of the three men that were involved in the theft have been caught. I have attached the police report from the XXXX Police Department. 

Chase has assured me that they've investigated this claim thoroughly which is absolutely absurd.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-16
Company: Westlake Services, LLC
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: Account status incorrect

Complaint:
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, and XXXX XXXX XXXX  with no successful resolution. XXXX only reporting me 30 days late. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04
Company: REGIONS FINANCIAL CORPORATION
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:
Regions bank reported to the credit bureaus that I was 30 days late for a payment of  XXXX  that was due on  XXXX   XXXX . They reported this on  XXXX   XXXX  How is   XXXX   XXXX  considered 30 days late! I was going to make a payment on   XXXX   XXXX   specifically to avoid the delinquent reporting.

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