BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-25
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:
I XXXX XXXX XXXX, that on XXXX18, I went to my bank to attempt to resolve a fraud case that I had filed with my bank concerning unauthorized withdrawals. I have already files complaints with FCC and Florida States Attorney General against XXXX, XXXX. This company/chase bank are taking advantage of myself and wife that are elderly folks. In all we have lost {$120.00} from our little savings that we keep in the checking account being discussed. The bank manager was very helpful but the fraud and claims department at chase bank would not reopen my claim, he even attempted to call the company but he had no luck. I want my bank to recognize that I was ripped off, which at this time they say is my fault. Please help?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-26
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
www.paypal.com XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX They have a large sum of my money ( about {$1600.00} I think ) they won't release because I can not remember the email address & phone number I last used which has changed numerous times, since I last used the account several months ago. But I can prove they have my money because the XXXX XXXX statement shows the transfer of {$2500.00} to my Pal Pal account on XX/XX/XXXX. That account was opened XX/XX/XXXX. I was able to tell them my last transactions and a lot of other information no one else could know. I also gave them my SS # of course Manager " XXXX '' ( he pronounced instead of XXXX, whom I spoke to on XX/XX/XXXX ) lied and said they couldn't find the account. 
I spoke to Pay Pal Manager XXXX ( Employee # XXXX ) XX/XX/XXXX Located in XXXX Arizona said her couldn't help. 

I also went through my phone bills with a Pay Pal employee and couldnt find the number. But they do have my money. There are plenty of other ways to verify my identity. 

FEDERAL TRADE COMMISSION REF # XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I understand that the XXXX credit bureaus report information they received. How many times must I keep reporting the same problem. Then I was told that you all are the ones that monitor the credit reports. I'm not sure how that work, but to me it seems like a conflict of interest to me. How can I receive fair credit reporting if you all are working together to keep me where I'm at, I feel this is discriminatory and unfair to me. Every time I feel I'm getting ahead, the bureaus do something to knock my score down. I'm a XXXX Veteran and I have tried everything to get my credit report straight. I have had enough, something has to be done about this, not only is it unfair but it's out and out discrimination ....

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 2018-01-26
Company: Navient Solutions, LLC.
State: MA
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:
I have been mailing in regular payments for about 4 years based on the payment coupons that were sent to me. The loan payments were for 2 loans in active repayment. Navient seems to have acquired additional old closed and charged off debt and has been redistributing my payments to the other accounts causing my active accounts to become delinquent. I was not aware of this until recently when I created an online account in order to request an unemployment deferment. This appears to have started around a year ago. I have submitted an online complaint to Navient and the problem has not been addressed or corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: BUDGET CONTROL SERVICES, INC.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Budget Control svcs Derogatory marks from unknown sources Inaccurate information added to my credit report with out my knowledge Dispute charges for unknown collection

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: Square Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XXXX XXXX XXXX XXXX has been Fraudulent activity going on with CASHAPP. I have reached out numerous times along with complaints about this matter, the transactions were made in XXXX XXXX FL. on the dates said above I have no affiliation with this place or anyone in XXXX XXXX FL. each time I noticed money was taken I tried to get help I dont know what else to do at this point but to reach out to CFPB. Crazy thing is CASHAPP refunded me one {$50.00} payment that was taken from the place above but not all. I have made so many complaints, I was able to get one person over the phone, Ive even contacted the XXXX page for CASHAPP still the matter has not been resolved this is just too much money to let go of. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
on XX/XX/2021 i submitted documentation on a dispute i had and was never replied back too with transunion and XXXX after that due to the fcra laws my crdit score shouldve increased instead it dropped

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: Rocket Mortgage, LLC
State: MD
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:
I have an inquiry from XXXX reported 5 times on my credit report. I don't know why that was authorized. I have called the fraud department at XXXX in XX/XX/ and XX/XX/ to have it removed. They were difficult and did not resolve the issue. I have called the XXXX number and spoke to someone that could not resolve the issue. It has been extremely frustrating between being constantly transferred on the phone through many representatives, but no one can fix the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
There is wrong, inaccurate, fraudulent information being reported on my credit report.

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 2018-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Bank of America contacted me in early XXXX, 2017 and told me that there was fraudulent activity and someone had cashed 3rd party checks in my name against my account. These checks were written on XXXX XXXX ( a company the XXXX XXXX I work for has done business with in the past ) payroll checks. The checks were made out to me ( XXXX XXXX ) with my address and a signature on the back that looks very much like my own. Once XXXX XXXX learned of the fraudulent checks, they stopped payment which caused Bank of America to withdraw the money from my personal account to cover the checks ( approximately 2,000 - I am a single mom and that is quite a lot of money to me! ). I filed a police report and the XXXX County ( Georgia ) detective told me that he sent a subpoena to Bank of America requesting the video footage and other transaction information - he says that Bank of America replied that they can not 'locate any transaction information '. The detective told me there is nothing he can do if Bank of America is not willing to send him what he has requested. Meanwhile, the Bank of America Fraud Department has denied my claim stating that I authorized the third party to cash the checks. They have not proof of this. There is someone walking around with my money, my bank account information, my name and address and Bank of America is unwilling to help me. I don't know what else to do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-16
Company: DISCOVER BANK
State: IL
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:
On XX/XX/2017 I printed out the Discover Card promotion, 0 % interest 18 months and spoke to the sales department at Discover Card, agent XXXX, ID # XXXX. XXXX   confirmed the promotion and that I qualified for the promotion, confirmed my already opened account which made the balance transfer I intended to complete easier to complete. He also said, " Its a good thing you are doing this today as the promotion ends tomorrow. '' We completed the transfer and he said I would receive a confirmation in 7-10 days. 
When the confirmation arrived, it was not the above promotion but a 4.99 % balance transfer promotion. I called and asked why I was given the wrong promotion and was told I did n't qualify as I am not a new customer. I would not have made the transfer if I did not quality for the 18 months promotion and by now the money had been transfered. 

I spoke to at least four people up the ladder who all said they would listen to the recording and get back to me. No one ever got back to me. I had to call back each time but each time I was told the same thing, " I listened to the tape and you did n't qualify for the promotion. '' I asked for them to play the recording for me as I know that if they listened to conversation they would have heard the comment XXXX made quoted above. Each time they told me the recording is proprietary and they did not need to play it for me. 

My concern is that they will delete this quote by the agent XXXX so if you would not give them XXXX 's name and ID up front but wait for their reply before revealing who the agent is.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: CORELOGIC INC
State: MD
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:
I have an inquiry from Credco reported 5 times on my credit report. I don't know why that was authorized. I have called the fraud department at Credco in XX/XX/ and XX/XX/ to have it removed. They were difficult and did not resolve the issue. I have called the XXXX  number and spoke to someone that could not resolve the issue. It has been extremely frustrating between being constantly transferred on the phone through many representatives, but no one can fix the 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 2021-11-11
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have reached out to Equifax Credit Bureau last XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE FOLLOWING ACCOUNTS ARE STILL FOUND AND NEED TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX  XXXX Balance : {$3000.00} XXXX XXXX XXXX : {$2000.00} XXXX  XXXX XXXX Balance : {$21000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: KINGS CREDIT SERVICES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XXXX at XXXX XXXX- Kings Credit Service called my place of employment. Said they had every right to contact me at any of the numbers they had. I explained to them that they can't contact me at work or my employer because I am not allowed calls at work and will be fired. XXXX said that was incorrect they could contact me at work if they couldn't get in touch with me any other way. I explained to her that i didn't know about the bill at first, thought insurance had paid it but can't afford to pay it right now. i am trying to pay other dr. bills as much as i can at the moment. I remember the bill from XXXX XXXX saying they would not take payments you had to pay all of it at once if insurance didn't pay. I called XXXX back and told her that i could not get calls at work and that it was not legal for them to contact me after i tell them not to at work. she stated that it was legal and they could contact me at work if they needed too. again, i will be fired and can't get calls at work. I also sent them an email to contact them and told them not to contact my employer or me at work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. 
Edited

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: Creditors Bureau Associates
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:
Im writing this letter to dispute the following accounts : This agency is in violation of 15 U.S.C. 1682 ( g ). They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debit. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violations of 15 U.S.C. 1692 ( g )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: Optimum Outcomes, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
As I said before, I didnt give OPTIMUM OUTCOMES permission nor my consent to speak to me, a natural person, the consumer, about an alleged debt. Furthermore, OPTIMUM OUTCOMES admitted to getting my information from a XXXX XXXX XXXX over a year ago. I did not give consent to neither of these companies, so therefore thats another violation pursuant to 15 USC 1692. You have injured, stolen my identity, and harassed me for over a year now. Youre not allowed to state a natural person owe a debt so tell me how OPTIMUM OUTCOMES didnt violate Federal law? I was injured and Im demanding monetary relief. When I told OPTIMUM OUTCOMES to remove my information, theyve shouldve done so. No matter how many times I stated it, OPTIMUM OUTCOMES refuse.. Now all of a sudden, they want to listen and XXXX  XXXX honor my Cease and Desist letter. You cant pick and choose what to honor from my Cease & Desist letter. OPTIMUM OUTCOMES denies any alleged violations of law but them FIRST stating theyre a debt collector and this is an attempt to collect an debt, is one of the first violation according to 15 USC 1692b. I dont care if OPTIMUM OUTCOMES thinks its copied & pasted OPTIMUM OUTCOMES didnt have a problem copying, pasting, and BUYING my information from third party reporting agencies, or else, we wouldnt be here. As a private consumer Ive been injured and I demand monetary relief. I dont care what other consumers are posting or doing. I am XXXX XXXX, a consumer, the natural person according to 15 USC 1692a ( 3 ). A corporation, OPTIMUM OUTCOMES, has no voice and can not speak for me nor address me. OPTIMUM OUTCOMES caused this and I will not let this go until my Cease & Desist letter is honored, entirely. The next step is Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: MIDFIRST BANK
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have received no written communication from Midland Mortgage or their attorney about foreclosure of my home, prior to a non related 3rd party arriving at my house XX/XX/2022 telling me I was in foreclosure and asking to buy the house. I assured him there was an error as I had spoken to the bank a few days prior about a modification, as I had the HAF funds applied to my account and have been approved for a COVID loan modification. He told me a title company gave him the info. To date, no one with Midland Mortgage or their foreclosure attorney office has been able to provide any confirmation i received any information from them and have told me they mailed it. When asked if there were any signatures or certified documents, I was told no, they mailed them 1st Class and referred to the attorney. After explaining to the foreclosure attorney ( I had to contact Midland to get the information for the attorney as, again, I had and still have no info ) the situation on XX/XX/2022, I was told that they mailed it, and told by her I received it. When I asked how she knew I received it, she said because they mailed it. When I asked about proof, she told me to get an attorney and hung up. Within an hour of thqt exchange, a man arrived and taped a photocopy of the trustee deed of sale on my door, took a picture and left. He didn't ring the doorbell.

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 2021-03-25
Company: Diverse Funding Associates LLC
State: MN
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:
Such as I viewed my credit report and noticed an account that i have never applied for nor had communication with.

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 2021-07-20
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation