BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-03
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Attempted to buy tickets to a hockey game and the seller was scamming us. Chase allowed for us to transfer {$220.00} to his/her bank account and also have him request {$220.00}. This all happened within minutes of each other. Once we learned it was a scam we attempted to have the bank cancel the transactions but it was too late. The payments were made through XXXX. I just wish there was more that could be done to revoke payments after the fact or that Chase would have found the activity of two exact payment amounts suspicious and called to verify if both were legitimate. These transactions happened on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In my three credit reports appear wrong information which could be fixed but the bureaus do n't report the correct information or remove the incorrect one. XXXX XXXX sent to me a letter fixing the wrong report on XX/XX/XXXX about a pay late they were reporting in my mortgage on XX/XX/XXXX by mistake and the bureaus have n't remove from my credit neither fix other wrong information about some debts I already paid and them do n't upgrade my report affecting me in my financial goals. If you need the information I have tell you I can send you when you ask me for. Please help me in this matter as soon as you can because I am trying to refinancing my home and this is stocking me. 
Thank you 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 2021-06-09
Company: JPMORGAN CHASE & CO.
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
My husband bought a {$10000.00} CD from Utah XXXX XXXX XXXX in XXXX. It has been in our safe deposit box. He died XX/XX/XXXX. He told me to get everything out of box when he passed. XXXX XXXX merged with Chase Manhattan. I called them to cash it. They said they couldn't find it in their files. They told me to check with unclaimed property. Nothing there. I want this found and {$10000.00} plus the interest it has been accruing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: EQUIFAX, 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: Account status incorrect

Complaint:
There are 3 accounts reporting on my credit profile that I have never opened not provided my permission to obtain these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: Upstart Holdings, Inc.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
The company upstart.com is charging me daily compounding interest when my contract says simple. The website is upstart.com The whole point is this was sold to me as a simple interest loan, and now they are charging me interest daily. I would never agree to that. They sold it to me as a standard simple interest loan. Their reps lied and sold me a pay day loan. In the pro-misery note is says simple interest, they are charging me daily interest. 

Please see section 1 from the not I signed with them. 

" 1. I promise to pay the principal sum of __________, together with interest thereon commencing on the origination date at the rate of ____________ per annum simple interest. '' That is taken from the first paragraph in the loan pro-misery note. Also, the reps on the phone told me that I could pay it off early with no penalties. I also phoned back and spoke to two other reps to confirm, that i could, Pay it off early. 

The loan is listed as a Student Loan. It is not a " pay day '' loan. Why are they telling you its a pay day loan when it is a Student Loan for  tax purposes? 

I want upstart to show me their calculations. I say they are completely bogus and they are yet to show me any calculations. Like actual Math. Show me the formula as how you got to {$440.00} in XXXX. A second response asking me to review the note is not going to cut it this time. Ive attached the note which clearly says " simple interest '' which is what your staff sold it to me as. 

In XXXX of XXXX i paid {$1000.00} to them and {$440.00} went to interest. Show me that math please? I signed a contract saying that its simple interest, their staff told me there are no penalties or expenses to pay once the interest is paid for, They say its a pay day loan, but listed as a student loan. 

I really believe this co is defrauding thousands of people and we need another look. Ask them to show us the math, as to how they charge me so much interest> Please have a look, this is fraud at a major scale -

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: Experian Information Solutions Inc.
State: PA
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 wrote a letter to Experian a month ago disputing some inquiries that i did not belong 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 explanation
Consumer complaint received 2018-05-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
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:
Last XX/XX/XXXX my ex husband was late on the car payment with capitol one auto finance, Because he was not on time with his payment my credit score and report were and are still being effected. His failure to comply with court orders is preventing me from moving on and providing a place for our daughter and myself a place to live. I have worked very hard to repair my credit and have had no late payments in 4 years except this one from my ex husband. I believe that in goodwill the derogatory report should be removed because it was not my fault and the vehicle should have been out of my name if the ex had followed court agreements 2 years prior to the late payment in XX/XX/XXXX. I  still have to suffer because of his negligence even though we are no longer married. In XX/XX/XXXX there was a court ordered agreement that he insisted on keeping the vehicle a XXXX XXXX XXXX. He agreed to have the vehicle refinanced and my name removed from the vehicle loan which he failed to do by XX/XX/XXXX. I filed for our divorce and included in our separation/divorce agreement there were two separate times he again agreed to have the car refinanced and my name removed from the vehicle. Which he failed to do, I filed with family court a '' Rule to show cause '' why he was unable to follow through with our legal agreement. the court gave him 4 months to have the car refinanced. We were scheduled for another court hearing on XX/XX/XXXX he did not appear for the hearing and claimed he was out that day having the car refinanced. He was able to refinance the car and have my name successfully removed. The loan with capitol one was paid off that was the only late payment ever made on the account. I would like to put this behind me and move on with my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Someone tried to use XXXX to gain {$3500.00} cash from me. They were able to verify all my important information such as my social security number, address, and date of birth.

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 2020-01-22
Company: VELO LAW OFFICE
State: MT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid this debt years ago. Velo law has spent the last year trying to collect it again. Ive sent them the debt release as proof multiple times and they refuse it. They have now marked me as no contact and filed a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I used a Barclay credit card check. 

On XXXX Barclays declined a check I wrote in the amount of XXXX to XXXX XXXX. The check was within the parameters of my credit limitations/ The check was intended to retire a debt on my wife 's XXXX XXXX account during a XXXX interest period. 

The result of the declined check has caused : A late payment charge of accrued interest of XXXX. 

I had difficulty understanding the customer service representative due to background noise and her heavily accented English. 

She did indicate there wasn't a reason for the declined check and I think opened case # XXXX. 

we have been damaged us considerably and I need Barclays to solve this problem ....

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX after federal Government agencies investigated XXXX XXXX XXXX use of the XX/XX/XXXX-XX/XX/XXXX TARP Money, XXXX XXXX XXXX, finally modified my home loan. I believed the loan to have certain guide lines that may have been violated during the transfer. Including and not limited to deferred balance forgiveness of the amount of XXXX and a fixed interest rate after seven years. XXXX  XXXX XXXX sold my modified loan to Carrington on XX/XX/XXXX which is the 7 year mark. Carrington sent me a mortgage statements due on XX/XX/XXXX for XXXX with a fix interest of XXXX. 20 day later they send another statement for the XX/XX/XXXX for XXXX with a variable rate of XXXX. I am confusing and now I have two mortgage payments to make when I was previously stated one. See attached original statement. This is going to cause a hardship. Such practices needs to be audited to ensure consumer protection. 

Also Carrington failed to send a letter 15 days prior to the transferance of the loan. 

I want the public and banks to be aware that XXXX XXXX XXXX may be dumping modified loans in an attempt to not fulfill promise to the public. As i am suspicious that my loan was sold the very day that my loan was supposed to be a fix rate and that the deferred debt forgiveness did not take place.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: CITIBANK, N.A.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company calls my cellphone atleast 4 times a day. They begin at XXXX and don't stop until 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 explanation
Consumer complaint received 2020-06-24
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello a collection account has been added to my credit report that is unknown to me SEE ATTACHMENT. I disputed this account with all three credit bureau 's that came back as verified. Which is impossible being that this account is unknown to me. Please send me any documents that you may have for my records of a signed agreement for this 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 2017-11-21
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent in numerous information that proves an account on my credit report is not mine. Everytime i call them they change their story staying they have n't received it to " oh yeah we did receive it but it has n't been review yet. this was over a month ago. They constantly change their story and do not give me a straight answer. Ive been recording every call wit them proving that the are lying. I demand that they take all collection account off my report as I proved that all of them are not mine.

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 2020-05-02
Company: DISCOVER BANK
State: NJ
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:
To Whom It May Concern, I got letter dated XX/XX/2020 in the mail which I just saw onXX/XX/2020 will show you guys the picture as well. Saying I applied for either credit card or debit card or something with discover. However this is inaccurate and not authorized by me. I am unsure how this all came about. I am not looking for any credit cards or new banks at this time. I am asking if this can kindly be removed as this is not mine and I never authorized it or signed for anything. No idea how it all happened. Thank you for understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: JPMORGAN CHASE & CO.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I tried to open an account at Chase in XXXX and had deposited over XXXX $ and was successfully opened. I then had received a phone call two days later saying they have to close my account. They had said the back office had closed it even after it being opened. They said it was suspected fraud due to previous account. I had a Chase Account probably in XXXX. I had received a check which later turned out to be a fake check. This was not my fault but not they are not letting me open an account due to something I did not do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: Certegy Holdings, LLC
State: VA
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/XXXX, I submitted a check to XXXX XXXX XXXX for the purchase of Week groceries, my check was declined on the information provided by Certegy Payment Solutions , LLC, of XXXX, FL. They have a contract with Kroger to check the credit history of the customer providing payment with checks. My credit score is 800+ and I have excellent credit.

I contacted Certegy and requested my consumer file disclosure report which they sent to me. the control number is XXXX  and the tracking number is XXXX. What they sent me was a record of three transactions : one from XXXX XXXX XXXX, dated XX/XX/XXXX, one from XXXX XXXX  dated XX/XX/XXXX, and one from XXXX XXXX dated XX/XX/XXXX. All were approved. My concern is that because my bank, XXXX XXXX XXXX XXXX is not one of Certegy 's signed clients, they are using the fact that XXXX is not a client against customers that try to submit a check from this institution to their clients.

According to XXXX at Certegy, they have no record of an inquiry from XXXX, and prior to this, XXXX XXXX in XXXX XXXX VA. declined to accept a check from me, based on informatoin from Certegy. I don't know what should be done after these two instances, but I am not being protected false reports or Certegy is sending false credit decisions to get a banking entity to sign with them as a client. I value my credit standing with businesses and when there is a derogatory report or a turn down because of a false report from a credit reporting agency, it is a major concern 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 explanation
Consumer complaint received 2019-09-25
Company: I.C. System, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In 2014 XXXX  XXXX claim they were not paid by my insurance company I have great insurance thru my wife XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX  XXXX   insurance.My insurance company says it was paid back in 2014 advocate says no my insurance said just ignore them they have done this b4 but they wont take it off by credit report, I have had it up to here with them they are very nasty people. I appreciate it if you could help me in this matter. Thank you 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 explanation
Consumer complaint received 2019-09-25
Company: CL Holdings LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had no idea of this company JEFFERSON CAPITAL SYSTEMS has been placed on my credit, this don't belong to me disputed and they still reporting, do not recognize t

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: Experian Information Solutions Inc.
State: MO
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:
My identity has been compromised and I'm asking for a full investigation into these unauthorized and unknown accounts that's reporting on my credit file. 

1 ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX  2 ) XXXX XXXX   XXXX XXXX 3 ) XXXX XXXX {$300.00} 4 ) XXXX  XXXX XXXX {$160.00} 5 ) XXXX  XXXX XXXX {$400.00}

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 2018-03-19
Company: JPMORGAN CHASE & CO.
State: FL
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:
OnXX/XX/XXXX I mistakenly made two payments to hmf ( XXXX XXXX XXXX ) on XX/XX/XXXX I called Chase and told them specifically to only take bake the 2nd payment and only this occasion! ( have a witness ) Chase took both payments. 0n XX/XX/XXXX I made another payment and Chase took that one back as well. I find out Chase put a 180 day stop on those payments when told only once and told me it would definitely be only the one time. Because of that hmf carged me 3 {$30.00} fees for lack of funds ( which is not true ). I explained to hmf and they waived only one fee. I called Chase and they are only refunding one fee, leaving me with a fee that is not my fault! All of this is the fault of Chase for lying to me!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-25
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
At the end of XX/XX/2019, I received a call from PHH Mortgage Services that I was in arrear in my mortgage. I told them that this could not be the case since my account has automatic payments being made and a payment had been made. The PHH individual indicated to me that they saw the payments and since there was money in my account that I shouldn't worry because the monies would be applied to my mortgage. That was not good enough for me. I asked to speak to an escalation officer. 

When I spoke to the escalation officer he told me that they were reviewing my account because there was a first and second on the account but that everything would be resolved shortly. 

PHH Mortgage had been acquired by Ocwen Mortgage. Originally my loan was with Ocwen bu they transferred it to PHH to service it. 

Subsequently I started receiving default letters for non payment and then recently I received a letter stating that they would stop accepting my automatic payments because of the status of my account. 

Last week I tried to reach out my point of contact, XXXX XXXX ( XXXX ext XXXX ) and was told she wasn't available but I spoke to another representative about my situation and she wrote up a ticket for Ms. XXXX to follow up regarding my payments, credit reporting, and to provide me with a detailed accounting of my payments. When I called this week ( yesterday, XX/XX/2019 ) to speak with Ms. XXXX, she was again not available and when I asked about my ticket, I was informed that Ms. XXXX had closed out the ticket. 

I was livid and asked to speak to another escalation officer. This time I spoke to XXXX XXXX ( XXXX ) XXXX and told her my frustrations with PHH. She told me she would immediately have the billing department apply my payments, correct any credit reporting, put me back on the automatic payment plan, and provide me with a detailed accounting of how my payments were applied. As of today, the payments have not been applied to my mortgage. 

I am filing this complaint to help me resolve the situation regarding the payments on my mortgage with PHH Mortgage Services. 

Thank you P.S. I have direct payments made from my bank and I should be current through XXXX or XXXX since I have made advance payments. 
The bank statements show all of my payments being put into suspense accounts.

Company response to consumer: Closed with explanation