BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-15
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX around XXXX in the afternoon i received an e-mail from a chase stating as you have requested weve ordered you new atm/pre paid or debit card or you were issued on at a branch. I was working and i thought it was weird that they would send me a email when i had no changes to my account, or anything for me to have requested a new card or anything. I checked my account to make sure everything was okay and it was. When i got off of work at XXXX i received notifications of 4 transactions at a XXXX XXXX in XXXX for the amounts of 1- {$54.00} 2- {$52.00} 3- {$52.00} 4- {$52.00} i quickly called the bank to have my card canceled. They did a verification over the phone and asked me questions that had nothing to do with me, i also tried verifying with my phone number they stated they would send me a quick text ( but that the system had blocked my number? ) also that i had answered the questions incorrect therefore i had to step into a branch. I stepped in had myself verified with two forms of ID. An agent called the claims Deparment asked me valid questions pertaining to what was going on and told the claims department over the phone yes i have the card here in front of me validating that it was fraud and someone had either cloned or just knew my numbers to my card. the agent told me i would get a refund within a couple of days and i did. I got the refund everything was perfect. On XX/XX/XXXX around XXXX i checked my bank account and noticed they had taken back the money they had given me back, i immidately went into a bank and was put over the phone with the claims department and was told that they had experts that knew that i had inserted my card into the XX/XX/XXXX machine, and had entered my pin into the machine as well. When trying to ask how is it possible since they took my money at XXXX XXXX  on the XX/XX/XXXX, and stepped into a branch that same day at XXXX With my card. I could not be at two places at the same time. I live in XXXX tx when trying to explain this to the claims agent he stated maam theres is nothing we can do anymore we have proof and basically cut me off i had to talk to a manager who told me i should file a police report if i want to get this settled. I took my police report today. Gave it to them and all they said was okay thank you. Never told me what was wrong, what was going to happen, nothing at all. Why give me the money back if later they stated they had proof that i was doing fraud with the bank. I am very upset that a big bank like CHASE would do this to a loyal customer. I want justice for my claim. And my money that was stolen from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-23
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Working with a HUD certified housing agency, a loss mitigation application was submitted to PHH Mortgage through the HOPE Loan Portal on XX/XX/XXXX. As of today, XX/XX/XXXX, the file has not been reviewed by PHH mortgage. Meanwhile, PHH continues to move towards foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX # XXXX is reporting lates in XX/XX/19 and XX/XX/19. I was never late. What happened was that I had paid them online and did not realize that the payment had not gone through until they sent me a notice about it after the two months, the first thing I did was pay it. This is not my fault and I did not know about the payment not going through until it was too 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 2019-09-14
Company: Patenaude & Felix A Professional Corporation
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Regarding, Summons Case No XXXX XXXX XXXX, Attorney Patenaude & Felix, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX WA XXXX XXXX I have received through a second hand source a summons to me for collection of debt of {$1600.00}. This summons was never officially served on me, but instead, forced upon my non-relative roommate prior to XXXX XXXX in clear violation of the Fair Debt Collection Practices Act. I am assuming that the collections firm will try to declare that this was a formal serving to me even though I was never present. I am asking XXXX, my designated agent for handling my debts to respond anyway, but making it clear that this is a response based on obtaining a copy of a summons that has never been officially served. 

The summons contains false statements. Namely, I am NOT married. I have been widowed since XXXX. And, they did not make repeated attempts to collect as stated in the summons. I have only received one notice from the collections company which was immediately forwarded to XXXX who responded. It has been made very clear that I actively want to resolve this debt. I am informed that the collections company refused an offer of settlement and repayment and did not offer any counter proposal for settling the debt. A lawsuit is their response instead of attempting to settle or arrange for payments. 

Official written statement from my roommate : *** Received via text message XX/XX/XXXX *** Here is my statement : On XX/XX/XXXX, at about XXXX XXXX. as I was preparing for work. I heard a loud banging noise from the front door. Ignored it for a little bit since Im in the bathroom XXXX and not in a position to answer. Finished my bathroom chores and dressed up for work and I again heard the loud door banging. I opened the garage door hoping to leave and ignore the door, but this guy parked on the driveway blocking my side so I had no choice and annoyed that I have to tend to him. At that point he asked if I XXXX XXXX. Of course I said NO and he asked for my name and after he served me the documents. 
*** end of message ***

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
TD BANK N.A. is reporting late as reported in my XXXX Credit Bureau. Lets correct this immediately. The Bureau is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( TD BANK N.A. XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-19
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I believe I am a victim of identity theft. I disputed the fraudulent information on JPMCB CARD from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Credit Bureaus and the company but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

( JPMCB CARD XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
American Express # XXXX is reporting lates in XX/XX/XXXX and XX/XX/XXXX. I was never late. What happened was that I had paid them online and did not realize that the payment had not gone through until they sent me a notice about it after the two months, the first thing I did was pay it. This is not my fault and I did not know about the payment not going through until it was too late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: Fidelity National Information Services, Inc. (FNIS)
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
I tried to cash a child support check from the state of West Virginia at my local XXXX. It was declined with no reason as to why and I was n't given a receipt. This was after inputting my social security number and drivers license. I called Certegy, the company that declined it, had to give them all my info, check information and amount. They would not give me a valid reason. I think this is some sort of scam to sell credit information. And from what I read on consumer affairs, thousands of people have had the same issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my seven endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX PL XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXXBalance : {$4400.00} XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX ( Original Creditor : XXXX ) XXXX Balance : {$500.00} XXXXXXXX XXXX XXXX XXXX  ( Original XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM
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:
I was charged by a company called XXXX XXXX that I did not approve on XX/XX/2022. I called Capital one on XX/XX/XXXX to dispute this transaction and was told it could take up to 10 days to receive my money back. I called back on XX/XX/2022 to resolve this issue because they haven't reimbursed my account and they said that I didn't have a fraud dispute on their records but I informed them I received a email about my call on XX/XX/2022 so I did talk with as I have proof with the email ( I spoke with XXXX XXXX XXXX ) he then said I had to talk to another person who was named XXXX. This process took over 35 minutes and Capital one has not been helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: Diversified Consultants, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I canceled my contract with XXXX XXXX which incurred a debt of {$300.00} in XX/XX/XXXX. I sent a check to collection agency Diversified Consultants in the amount of XXXX which posted to their system on XX/XX/2017. I called to verify that they had received the check. While I was working with the collection agency, XXXX XXXX charged my checking account an additional {$300.00} without my authorization. Which created an overdraft on my account. I was able to call the bank and get them to reverse the charge since I was able to show that I had already paid the bill to the debt collector. On XX/XX/2017 I received a call from Diversified Consultants stating that I did not pay any debt. I tried to resolve the overcharge with both XXXX and Diversified but neither company was willing to work with me. XXXX told me that I would have to wait 90 days to contact XXXX to begin the process of recovering the overcharge. Diversified told me that it was my fault because I chose to send a check instead of giving them access to my checking account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-08
Company: Big Picture Loans, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
We've attempted to settle the payoff amount and no one has returned our email from XXXX 

Here's one of several emails we sent

from:	XXXX XXXX 
to:	XXXX
date:	Thu, XXXX XXXX, 2018 at XXXX XXXX
subject:	Settling Account
mailed-by:	XXXX

To Whom It May Concern:

Loan No.: XXXX

We're a charitable non-profit organization that borrowed the money to so we could clear up a debt to receive a grant.  We received the grant yesterday and would like to pay off the loan, and ask that you allow us to pay off the lowest amount possible.  We will provide you with a tax deduction for any amount that you can provide.

The original amount of the loan was $XXXX initiated XX/XX/XXXX, and we made the first payment on XX/XX/XXXX, and the balance of $XXXX is accruing interest daily.  We're prepared to make a payment immediately.


Respectfully, XXXX XXXX
XXXX
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: DISCOVER BANK
State: IN
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 been trying to repair my credit situation. I have learned that the list of company or banks have put a hard inquiry on my credit. I know this inquiry to be false because the date and companies list below i have NO knowledge of applying or giving my consent to any of the below companies. I have been working in XXXX for the past few years and currently still here in XXXX. I 'm wanting to get these hard inquiries off my credit report. I have tried calling the companies with phone number listed. But I havent had much luck getting though by phone due to the remote area I 'm working in. 

please let me know if you can assist me with getting these item removed from my credit report. 


XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Banks and S & Ls XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
this loan has been paid off. I paid the account right away and now found out that the account appears as a pid collection on my credit report. This account was not even being reported to the credit bureaus when I was paying on time. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX car dealership ran my credit without my permission on XX/XX/XXXX & XX/XX/2021. Ive been in contact with the dealership and financial companies with no results. I need these inquiries off my credit fast. Equifax is the only bureau that wont remove from my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Public record information inaccurate

Complaint:
There is unauthorized inquiries on my report that were supposed to be removed 3 months ago and are still there so my issue has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: CURO Intermediate Holdings
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I included my debt to Speedy cash in the amount of XXXX dollars in my Bankruptcy which was filed in XX/XX/XXXX. My case number is XXXX, my attorney is XXXX XXXX XXXX. All debts owed to Speedy Cash were included in the bankruptcy yet Speedy Cash refuses to list the debt as discharged or closed. As of XX/XX/XXXX it is still on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: EQUIFAX, INC.
State: MI
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:
Hello, My name is XXXX XXXX. On XXXX XXXX 2021 I sent out letters to XXXX, eqifax, and XXXX  to inform them of incorrect information on my credit report and asked them to validate the debt. They have yet to respond and the information has yet to be removed. the accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Experian Information Solutions Inc.
State: OH
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:
experian does not update the fact that I payed of my car loan in full and keeps a outstanding loan on their records of over XXXX $ the car loan in dispute is payed off over 2 month ago. Over one year earlier than the loan was agreed on. the finance company is XXXX and I got the title mailed to me.

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 2022-01-19
Company: Payment Resolution Services
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I receive letters frequently ( multiple times per week ) from XXXX and Payment Resolution Services ( PRS ), " represent [ XXXX ] the interests of XXXX '', for money that is not owed as far as I can tell. XXXXPRS have not provided adequate evidence of why the money would be owed and it is related to medical claims from years ago in most cases ). I have repeatedly disputed the claims by mail, phone, email, and certified mail ( return receipt ), including using the CFPB form cease and desist letter ( which I have the confirmation of receipt for ), yet the letters continue ( for example, I received XXXX in the mail today, which arrived in the last week ). I welcome the chance to clear my name, yet XXXX/PRS refuse to speak to me directly at this point ( they previously confirmed in email multiple times that the debt was not owed )- they continue to deny having spoken to me or having received me emails or letters, and continue to harass my family with bogus debts while not paying actual claims that we should be paid for.

Company response to consumer: Closed with explanation