BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-08
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I tried making a purchase with my XXXX XXXX credit card tonight. The payment would not go through. I contacted my credit card company Synchrony and they said the account had been closed three days ago and I would be declined a new line of credit for at least 12 months. I received no notification of this happening. They said I should receive a letter in the next week. I have perfect payment history with this card a {$0.00} balance and my other open credit accounts and would like this account to be reopened with the same credit limit. It is two weeks before XXXX. I have not had this account even a year. I also have {$25.00} in store credit that I can not use without an open account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: LoanCare, LLC
State: MN
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: Problem with personal statement of dispute

Complaint:
I recently sold my home due to a divorce and closed on the property on XX/XX/XXXX. I am in the process of trying to purchase a new home and had a credit report run to see what I qualify for. The report came back with a late payment showing in XXXX, XXXX, and XX/XX/XXXX. I do not understand the late payments that were reported to the credit bureau in XXXX and XX/XX/XXXX as the loan was paid in full on XX/XX/XXXX ( I have wire transfer confirmation ). 

Loancare took over my previous mortgage with XXXX, as XXXX went bankrupt. The change took place and paperwork was sent out in XX/XX/XXXX. I tried to make a payment for XXXX, but Loancare was working on setting up the new account and said there was a 60 grace period, so I sent my payment to XXXX thinking this would be forwarded to Loancare because I did not want to miss a payment ... this never occurred, so my payments were always a month behind. I was in close contact with Loancare monthly and kept them up to date on the progress of the sale of the property. I was always told that everything on the account was fine and to let them know when the sale happened, which I did. I have dates of payments made on the account from XXXX XXXX ... they are as follows : XXXX- {$450.00} posted on XX/XX/XXXX and {$450.00} posted on XX/XX/XXXX XXXX {$450.00} posted on XX/XX/XXXX XXXX {$900.00} posted on XX/XX/XXXX XXXX {$900.00} posted on XX/XX/XXXX XXXX {$900.00} posted on XX/XX/XXXX XXXX {$900.00} posted on XX/XX/XXXX XXXX transfer was made on XX/XX/XXXX for full remaining balance. 

I had reached out to XXXX XXXX/Loancare early XX/XX/XXXX to let them know about the incorrect late charges on my credit report and I had to escalate a dispute to the credit department per email, which I did. I was told I would have an answer the end of XXXX, which I did not. I called several other times to speak with the credit department, but apparently they do not take calls or have a phone number. So, I finally spoke to a manager that said I may not have an answer until the end of XXXX, which was true. I received a letter on XX/XX/XXXX that said the dispute was reviewed and the info submitted to the credit bureau was accurate. I immediately called back to discuss and again, no way of speaking with anyone. This has affected my ability to purchase a new home as I can not have three late payments reported. Again, I can understand the report as late for XXXX because of the missed applied payment, but not for XXXX or XX/XX/XXXX as the loan was paid in full on XX/XX/XXXX. Can you please assist? I would greatly appreciate the help!

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 2019-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX, XXXX XXXX # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. Box XXXX XXXX, GA XXXX TransUnion, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX/XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX/XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX/Airlines XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX/XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX, XXXX XXXX  Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Telephone Companies XXXX XXXX  XXXX, XXXXXXXX XXXX   Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX/XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. 
XXXX/XXXX Inquiry from XX/XX/XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX # XXXX DOB XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL 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 explanation
Consumer complaint received 2020-02-06
Company: Unlimited Progress Corp
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Creditors discount and aud. N/A I do not have no acknowledgement of this company or what it is this is identity theft and this is really messing my name and life up and i am willing to take any procedure to get this resolve as soon as possible

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 2018-08-01
Company: Ocwen 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: Account status incorrect

Complaint:
My name is XXXX XXXX and I have a loan with Ocwen loan services. They have put me in a loan that is now illegal but at the time it was not, a negative amortization ARM loan. I have been making my payments diligently either by phone or by internet. Never once have I missed a payment in the last 24 months. However, Ocwen has reported me as being late multiple times throughout the past 24 months. I have tried to speak with them about removing the late payments, but they have refused to delete the late payments. I truly believe they are just trying to hold down my credit so I can not refinance my mortgage loan. They are telling me it is due to increased fees and different payment amounts. What I don't understand, is that I always call in or pay online the payment that they say is owed. I don't just send in the same payment every month by check, I always pay what they say is owed. I have attached a bunch of documents clearing this up and will work on getting bank statements to show all payments have been made. Ocwen has already been sued for deceptive mortgage practices, which I have attached the documentation. Every time I try to call over to them, they have their call centers in XXXX and XXXX and there is a language barrier as well. Because of this it is very hard to get anything resolved because it is hard to communicate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: ERC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been requesting verification of the debt from ERC for over 2 years. To this date I have yet to receive verification or any proof I owe this debt to them. They simply ignore my requests. This has affected my ability to get an apartment, find a job and has increased my car insurance in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: PlusFour, Inc
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I first contacted Plusfour Inc Collection agency to dispute errors on my credit report I did so in writing I was advise to send these letters by certified mail as proof of receipt. To my surprise the letter was returned stamped ( refused ). I then sent a second letter XX/XX/XXXX it was also refused. Both letters for two different amounts {$340.00} and {$230.00} Were returned. I sent additional letters to the P.O. Box and or the physical address provided on the credit report they were returned. I finally sent a letter to them by regular mail letting them know they were now in violation of the FDCPA law. { 807 } and { 15USC 1962a } and that I will now be taking them to small claims court. They were also made aware of their failure to add the clause ( in dispute by customer ) within 30 days. In the proof file of documents you can see this was not recorded until XX/XX/XXXX on just one debt but nothing on the other {$340.00}. Plusfour did respond after more then 40 days of trying to contact them and again only sent information for the one debt but no verification just a print out of a bill and nothing for the other debt in question. This has been very frustrating I have also been denied credit because of their lack of communication which has effected my livelihood.

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 2020-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These aren't mine. Please remove them.

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 2018-02-23
Company: Mid-America Accounts Control Bureau, Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have filed 2 complaints against this company they was never even reporting this debt to major credit bureaus until I recently filed 2 CFPB complaints this company is trying everything they can to hurt my credit and in retaliation of my recent complaints they report the XXXX XXXX XXXX then it was taken off my credit report and put back on in violation of the F.C.R.A this company is also being reported for investigation by the Missouri Attorney Generals office for retaliation against me i dispute this debt it's taken off my report then Mid America Accounts Control Bureau vindictive conduct against me is pure retaliation and needs to be investigated

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Co sign for auto Loan was not aware loan not already approve XXXX XXXX allow over 10 company to run my credit which result in Hard inquiry on my credit Bureau I did not authorize XXXX  XXXX to allow inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
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:
CRPA does not verify disputes. They simply ask the company if it is legitimate. They dont verify with any contracts or paperwork or facts. They just say hey they claim this is false, and the collection agency just says yeah, no verification whatsoever. Experian and the debtor do not provide anu proof they just say you owe this. I called both at least 3 times and they say sorry we dont verify anything. The debtor said well send proof. Then they just send what you owe and dont send a contract or proof from the fraudulent claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 isn't my account. Please remove it.

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 2019-09-18
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XXXX XXXX has consistently harrassed me when my payment is one day past due my payments are {$53000.00} per month, If the payment is one day late they will e-mail me and say that I am two payments past due. I wrote the CFO in XXXX about on several occasions to no avail. I am old school ( XXXX years old ) and have purchased many cars there has always been a ten day grace  period from the due date. 

My account number isXXXX Please help XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: First Federal Credit Control, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
First Federal Control Control ( FFCC ), ACCT XXXX, is erroneously reporting that I owe {$25.00} for doctor 's visits for a total of {$75.00}. I have spoken to two supervisors at FFCC and one clerk, XXXX, who have ignored my requests that they verify the information that they are adversely reporting to credit bureaus, but to date, they have refused to do so. 

The problem is that for three different dates of service, XX/XX/XXXX, XX/XX/XXXX, and XXXX, I visited my doctor 's office and immediately paid my {$25.00} co-pays for each visit, as mandated by the doctor 's office. I was informed that the doctor 's office, however, failed to bill my insurance company for each date of service. Instead, they sent the three bills to collections. Initially, the amount owed was more. After having several conversations with the physicians billing dept., the physician 's office finally billed my insurance and received payment in full from my insurace company. My co-pays were paid in full at the date of service for each visit. FFCC adjusted their collection amount to {$25.00} for each date of service and have not confirmed with the physician 's billing services that THE PHYSICIAN 'S OFFICE ACCEPTED PAYMENT, REMOVED THE ACCOUNTS FROM COLLECTIONS AND HAVE BEEN PAID IN FULL, THUS TERMINATING FFCC 'S INVOLVEMENT ALTOGHETER. 

I have spoken with XXXX, who works in the Escalations Dept at XXXX   Hospitals Physician Billing Services, XXXX. On multiple occasions, she has informed me that she has not only CALLED FFCC and told them to REMOVE THE ACCOUNTS FROM COLLECTIONS. She also confirmed on those several occasions that the accounts ARE PAID IN FULL.. I do NOT OWE ANY MONEY ON THESE THREE ACCOUNTS, XXXX  Patient Account No. XXXX. I called FFCC on XX/XX/XXXX and informed them of the same. They were uninterested in making the corrections to my account and unconcerned that they were misreporting debts on my credit report that I DO NOT OWE. I want the debts deleted from my credit report and I want sanctions brought against FFCC for misreporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS AND INQUIRIES ARE NOT LIABLE TO ME AND MY SSN. THOSE ACCOUNTS HAS BEEN INACCURATELY REPORTING ON MY CREDIT AND HAS BEEN EXTREMELY DAMAGING MY CREDIT. PLEASE HAVE THOSE ACCOUNTS REMOVE OFF MY CREDIT FOR THEY HAVE BEEN HURTING MY CHANCES OF ACQUIRING NEW CREDIT.

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 2020-05-08
Company: Square 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:
On XX/XX/2020, I unknowingly sent money through cash app to a scam artist for goods that were not receive. After that I try to get in contact with said person, to get a refund for my money for the goods that were not received. I find that the person blocked me on social media so I would not be able to contact her. Shortly after I contacted cash app to see what could be done about the situation as far as a refund. They informed me that they will not be able to take responsibility for any transfers of money through cash app and that I should contact my bank. After that email transaction with cash app I contacted my bank to file a claim. They were able to assist me so far up until XX/XX/XXXX of 2020. I have contacted my bank today, XX/XX/2020 and they reversed the credit transaction from the claim money. They informed me that cash app will not take responsibility for the transaction and refund me my money. Cash app has done this multiple of times where I contact support and verbatim will say they do not have any more information for me. All I want is my money back from a scam artist praying on me. The original transaction happened in XXXX and I should not still be dealing with this in XXXX. Cash app Has closed my account due to the dispute and will not allow me to add my debit card information anymore. And when I asked as to why my account is closed they never give me any information. I no longer use cash app for anything and I would love to receive my {$85.00} back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
JP Morgan Chase is purposely not responding to my complaints submitted to CFPB. Each complaint is being responded to by them as being duplicate complaint for year 2018. I am not discussing previous issues. I am discussing present issues. 

Now, I have a new issue to report. Another party is persuing legal remedies for not being served with a notice from JP Morgan Chase and from the foreclosing attorney. There is nothing that I can do about this. But I know that the other party has not been served.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: Santander Consumer USA Holdings Inc.
State: TN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
Santander consumer USA agreed upon a class action settlement from the year XXXX to present. The agreement state that are to forgive any loans provided between the year XX/XX/XXXX with qualifying factors. One of the factors being that the account had to have defaulted between the yearsXX/XX/XXXX in which my loan had done twice as a result of me not being able to keep up with the payments because of the increased interest rates. My states Attorney General did file a complaint within the class to deem all account holders eligible under those certain circumstances. I can provide proof upon request. This account is holding up from getting a house for my children. Any help provided will be greatly appreciated. This account is under litigation and should be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a Chase debit card linked to a newly opened checking and savings account. I contacted the company and closed the account because I didn't open the account. Someone stole my identity to open it. Chase closed the accounts and filed a claim.

Company response to consumer: Closed with explanation