BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-14
Company: Kriya Capital, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been harassed for multiple years by different companies claiming to have a debt originating from my XXXX XXXX contract that was finished and paid in full. I do not owe anything to XXXX XXXX. They overcharged me and added items to my bill without my consent to have these channels added. Upon the finality of my contract of 2 years with them I requested in writing, email, and verbally that they terminate my services. They tried to continue charging me despite my extreme attempts to terminate their services upon completion of my contract with them. They have tried to sell " debt '' to several companies since 2017. I have successfully disputed these companies at the basic level by completing disputed with the bureau they were reported to. This current company " credence resource management '' has claimed that they verified the debt with the originator. Since the originator illegally created the charges they are not valid and were never owed. I do not owe anything to XXXX XXXX and quite frankly I am fed up with being harassed by companies for petty amounts of fake debt that ends up creating a negative impact on my credit. I am considering legal action if this harassment does not stop. I have verified that these debts are illegal charges and I should not have to waste my time and energy everytime they sell it to some company hoping to profit off of illegal/fraudulent debt collection processes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-28
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was just informed during a telephone call that I made to Radius Global Solutions by a supervisor by the name of XXXX XXXX, that they are attempting to collect a debt of {$800.00}. My credit report states that the alleged debt is {$770.00}. She then also stated that there was some other {$25.00} charge.The telephone call took place at XXXX central time. It was also stated the 3 times I was placed on hold that the call can be recorded or monitored. It also turns out that she confirmed that the account was opened with them on XX/XX/2019. I had no knowledge of this due to them not stating who they were on the telephone when they contacted me some weeks ago. I did tell them to only contact me by mail. And they did, BUT they sent the documentation to address I have not been associated with for the past 2 years 5 months. It also turns out that XXXX XXXX stated that the debt was bought by them from the original creditor XXXX XXXX XXXX XXXX. I do know for a fact this debt did also come from a company called XXXX XXXX before the date that Radius Global Solutions on XX/XX/2019. When the accout was in the hands of XXXX XXXX it had gotten deleted due to not being able to Validate the debt. XXXX XXXX XXXX is a debt purchasing company, not the original creditor of this debt. If the Original creditor is no longer attached to this debt and can not be validated this item need to be removed IMMEDIATELY. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
The bank issued a credit for an online order which was placed and there was a problem with the order. At the time when the items were supposed to be delivered, the online account had an issue with the login and the email address because of identity theft issues in the past. Regardless that the items were not delivered, and the credit was processed on an old checking account, one of the bankers went ahead and reversed the credit amount. The date that was given in the most recent email from Chase was XX/XX/2023 and I was told that the bank and the merchant have resolved this issue and it is none of my business now. The reversed credit for items not received is not an accurate representation of what was or not delivered as a service for online shopping. After speaking with customer service today, the actual receipt and the problems with delivery are clearly noted by the XXXX XXXX. However, the amount which has been deducted from not the same checking, but a completely separate checking account differs from the final receipt. I have been billed and rebilled for more than the items which were delivered on my membership purchases. I am attaching the actual receipt and also a copy of the transaction the bank has charged me for twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNTS APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # 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 2020-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Looking over my credit report and notice there were fraudulent accounts that does no belong to me and never authorized any contracts and business with these companies. The following accounts are listed below : XXXX XXXX, XXXX.XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX 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 2020-12-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX my Bank of America Debit card had funds stolen from it. BOA refuses to engage and or, refund the money. This, since 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 2023-08-14
Company: Capio Partners, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity was stolen by this company. They are attempting to collect a debt and I have no legal written or binding contract with this company. 

Consumer law code 15 USC 1681 ( Q ) and 15 USC 1681 ( A ) ( 2 ) If any person uses my information without permission that is identity theft. There must be permissible purpose. I did not give permission to report this or any account on my consumer credit report, therefore, this is identity theft as XXXX XXXX XXXX used my information and publicized it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-25
Company: JPMORGAN CHASE & CO.
State: WA
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:
Chase credit card company charged a XXXX dollar membership fee on a lost credit card. The Chase then filed a 30 day late with the credit bureau against this card, that was no longer in use. They stated they sent new cards on XX/XX/XXXX that were never received. When i reviewed the address, it was incorrect. Credit history shows card open since 2006, with no late payments and a credit line of XXXX with a XXXX balance. Chase has agreed to refund the late fee, but states there is nothing they can do about the 30 day late reported to the credit bureau.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I sent a written request to Portfolio Recovery asking them to contact me through the U.S. mail only. They continue to call repeatedly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
Company: Synovus Bank
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: Account status incorrect

Complaint:
First Progress Credit Card, issued by Synovus bank is reporting to the consumer reporting agencies while the account and the charges on the account are in dispute and in litigation in XXXX XXXX in the XXXX XXXX XXXX Florida. This is a defamation of character, a means of extortion, is a willful and intentional harm to my person, and violates my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: EQUIFAX, 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:
On my XXXX, Equifax, and XXXX credit files, an old account from XXXX XXXX, XXXX is reporting incorrectly. I have disputed the account multiple times both with all 3 agencies and XXXX XXXX, XXXX. The 3 bureaus all claim that XXXX XXXX verified the accuracy of the information, yet XXXX XXXX has not been able to send any documentation to me, and their customer service representatives that I spoke with stated that the account had been purged from the system and they could not access any records, as well as not updating my current address on file despite multiple disputes. The most recent call to XXXX XXXX was XX/XX/2019. As they are unable to verify the accuracy of the information, yet informed the credit bureaus that they investigated the dispute, as well as being unable to provide documentation to the consumer, they are in violation of the FCRA, section 623.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-28
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I've used XXXX for the 3 credit bureaus since, I think, XXXX. Never any problems with hundreds of other web sites. I've used the latest version of XXXX on XXXX XXXX since XXXX. All patched and working perfectly. 

XXXX and XXXX credit reports have always been available on-line. 

Equifax was last available in early XXXX. That's right -- their web site has said the credit report is not available on-line, in so many words, in XXXX, XXXX, and now XXXX. 

They have a legal obligation to provide the credit report, and I should think that a functioning web site is part of that obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23
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: Account status incorrect

Complaint:
I am currently going through a mortgage process and made the unfortunate mistake of mailing out a " good will '' letter to Capital One on XX/XX/18 asking them to consider removing some late pays they had reported last year. On XX/XX/18 I received a credit alert stating negative remarks were added to my credit reports for my closed Capital One card. When reviewing the marks it stated " consumer disputes after resolution. '' First off I NEVER disputed anything. I took full responsibility for my late pays in my letter. Any competent person reading this letter would have understood it was a simple request and could easily have been answered by a yes or a no. I have called Capital One and been met with ridiculous reason as to why they can't remove the dispute language on my report and that I need to contact the 3 bureaus instead. I've contacted all 3 credit bureaus 3 separate times and had the remarks removed with ease. It is not the credit bureaus issue. It is a Capital One issue because they keep reporting my account each month as under dispute. 

This company has caused my lenders to have to run my credit far more times than necessary lowering it each time! This is because I can not have an open dispute when getting a mortgage and they now need to make sure the dispute is removed. Capital One is literally costing me thousands of dollars which will reflect over the life of my mortgage loan! 

I have literally tried every which way to contact somebody from Capital One, even their XXXX handle which is insane. A consumer should not have to contact a company 10+ times to correct an error made by their staff. They need to remove the dispute remarks on this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
JPMorgan Chase Bank have restricted me from my debit card and i no longer have access to view any of my accounts, notices, letters or statements. I have several refunds and credits going into those accounts, and I need to be made aware if they will be shipping those funds to me through mail or not. This has been nothing but trouble and frustration dealing with this bank. They have charged me over {$600.00} in overdraft fees which I have had to call in and complain about because they post transactions late intentionally to incur these fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Fay Servicing is " Double Tracking '', refuses to provide the reinstatement amount, did not notify the party in their records, and repeatedly requested duplicate documents : I inherited the family home as Trustee and Executor when my mother died. I paid on her mortgage but it remains in arrears. Fay Servicing, ( Fay ), told me their " preferred option '' would be for me to assume the loan. I sent Fay a completed mitigation application and all the documents requested. Fay asked for more and more documents, some twice. On XX/XX/2019 Fay asked for " Letters Testamentary '' which the XXXX  small estate process does not even use. I sent everything else requested. 
Then, to my surprise, Fay recorded a Notice of Default, ( NOD ), on XX/XX/XXXX. Soon after, I talked to XXXX XXXX, ( XXXX ), at Fay by phone. XXXX requested a new, notarized copy of the Certification of Trustee already sent. I asked XXXX specifically if Fay was " Double-Tracking '' and planning to foreclose. XXXX said " No, the NOD is just part of the 'process ' ''. I never received a written, ( or verbal ), determination of the mitigation process from Fay. 
Instead, Fay suddenly recorded a Notice of Sale. So I repeatedly phoned Fay for the reinstatement amount, finally reaching Account Manager XXXX XXXX XXXX, ( XXXX ), on XX/XX/XXXX. XXXX said that I could not get any information because someone, ( X ), was actually the Trustee and owner, not me! I never heard of X. No mail had ever arrived for X. XXXX said he would help, anyway : XXXX  would call in a day or two, and I could try to guess the reinstatement amount! XXXX never called.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: Experian Information Solutions 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:
IM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THE ACCOUNTS ARE HURTING MY CERDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE BUREAUS AT THIS TIME

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 2019-02-28
Company: LD Holdings Group, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Hurricane Irma in 2017 had major impact on my income and did damage to my house. I inquired about the forebearance option. The way it was presented to me was that since I could not afford the current payment they would suspend payments until the work to fix my house was completed. They gave me two options for once the work was completed ; I could either pay ( make current ) the payments that were not made during the suspension or they could remodify the loan. I specifically asked about the modification due to the fact that my income potential was drastically reduced ( due to Hurricane ). My question was to the point ... the only modification to the loan would be the  length ... if loan is suspended for say 3 months then the loan maturity date gets extended by the same. Their answer was yes. It took 9 months to get insurance company to correctly payout and get work completed, so there were no mortgage payments made for those 9 months. Once completed Loan Depot sent me a trial modification program to get the process started. I was told that the higher payments were to assist in getting the escrow balances back on track, I made all the payments ( on time ). Then came the loan modification itself, documents came along with foreclosure, short sale and deed-in-lieu documents. This scared me to death so I signed the new loan. My payments went from roughly $ XXXX/month to $ XXXX/month due to an additional {$18000.00} being added to the loan. They said it was for the unpaid months during forebearance. I called several times trying to get clarification but got the run-around each time. Not sure how it works ... loan payments were suspended ... yet they are charging me for them as if they made them for me. Again I go back to my question prior to accepting the forebearance program, trust me if I had any inclination that they would added that money to the loan I would have never done the program. They also talked on fees ( not sure for what ) and reported me to the credit bureaus as late over 120 days ... which they promised me they would not do. 

I feel as if I was scammed, the program is to assist people in times of trouble and because of it I have an even bigger problem now. If I was going to have difficulty paying {$1700.00} a month ... how can I afford {$2100.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This account was reported to TRANSUNION on XXXX and was removed from my " hard-copy '' credit report. However, this is still appearing on my online credit report and was told on the many and numerous times that I called that it was supposed to have been removed online when it was removed from hard copy. 
I have called over and over and over and no one seems to be able to help. Transunion has given me several numbers to call for online. Every time I called they would tell me they need to put me through to online although that was the number that I called. Every single individual claimed that they were unable to assist me as online could not be reached from the main department. 
When I told one agent that I would contact CFPB she even told me that everybody makes that threat and that CFPB would possibly contact them only ... no big deal. 
Transunion has & does make it EXTREMELY difficult to get anything done on behalf of the consumer. A year or so ago they even dropped my credit score from XXXX to XXXX for no reason ( s ) at all. You may not believe that but it is true. 
The account that has been deleted but Transunion refuses to remove from online is : XXXX 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 2020-11-24
Company: AMERICAN EXPRESS COMPANY
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company stating they were American Express has repeatedly called me 4 to 5 time a day after numerous times I have asked them to stop. It continues to get worse as now they have been calling me where it appears that it is coming from my old home phone number ( which is a disconnected number ) XXXX. These calls were made on the following date XX/XX/XXXX at XXXX ( there may have been more but this is the one I have record of ) Additionally, I have repeatedly told the company I can not pay as my husband is sick ( with XXXX ) and has to repeatedly check in with me throughout the day and I have to pay his medical bills. After I shared that information they called me and made it look like it was coming from his cell phone. I had to leave work in the middle of teaching a class and answer thinking something was wrong and it turned out to be the debt collector. This was done several times on the following dates : XX/XX/XXXX at XXXX I was so shocked I asked them how in the world could they make it look like they were calling me from my XXXX XXXX XXXX  number and they told me that the " computer did it '' I told them to NEVER do this again explaining the XXXX it puts on me and I thought something was wrong with my husband. They then called me again on XX/XX/XXXX at XXXX XXXX. I asked again to please stop calling as my husband. Then they called again but I can't remember the exact date but should be in their system. 

Turns out the company name is not American Express but it is XXXX XXXX XXXX. XXXX XXXX XXXX, DE XXXX. 

These repeated harassing and deceptive calls from the company should not be allowed and are causing me and my family a lot of XXXX which I do not need with my XXXX XXXX XXXX XXXX. We are trying to make ends meet and I have shared that numerous times while asking them to please stop calling but it only got worse and more deceptive. I have a phone recording of this if needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-17
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:
XX/XX/2017 {$720.00} PLACED FOR COLLECTION XXXX XXXX  COMPAN ORIGINAL CREDITOR XXXX XXXX XXXXXXXX FRAUDULENT 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 non-monetary relief