BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-15
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I had a case opened earlier ; but it was closed and I received a letter stating that the case looks to have been computer generated/not submitted by me. The previous case # is XXXX. 
I opened this Purchase Protection Claim with my credit card/eclaims on XXXX XXXX, XXXX. As of XX/XX/XXXX, the claim has still not been actioned on by the provider. After initially submitting the claim, I did not find out that the claim agent needed additional paperwork until I called in 3 weeks later to follow-up on the status ( email follow-ups were not being replied to and required me a call to get any sort of reply ). When I called, the agent on the phone apologized and informed me what documents were needed. I submitted them the same day. I followed up again 5 days later, and I was told that the claim is under review and I would be updated by the latest at the end of the following week. This cycle of me calling in and being told it's under review and to call back end of the following week has continued since. At one point, the claim portal online showed my case as CLOSED and I had to call in to get them to update the status. I've reached out to Chase, XXXX, and Chase Sapphire Reserve over email, and to Chase over XXXX. I'm just told it's under review. When I press for a timeline for next steps, update, or anything of the like, I'm told there's nothing I can do, and no ETA that can be provided. Per the Purchase Protection section of the Benefits guide for Chase Sapphire Reserve : No legal action for a claim may be brought against the Provider until sixty ( 60 ) days after the Provider receives Proof of Loss. No legal action against the Provider may be brought more than three ( 3 ) years after the time for giving Proof of Loss. Further, no legal action may be brought against the Provider unless all the terms of the Guide to Benefits have been complied with fully. Forget the 5 day response time- they're way past even the legal action timeline. 
To date, XXXX. XXXX, XXXX, eclaims and Chase are refusing to give me any information or update aside from they're working on it. Could you please help? 

Additional claim details below. 
File XXXX Claim Type : Purchase Protection/Security Incident State : TX Purchase Date : XX/XX/XXXX Claimed Amount : {$15000.00} USD

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-14
Company: MIDCOUNTRY FINANCIAL CORP
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
The attorney, XXXX XXXX, threaten me with lawsuit and stated that I do not pay my bills when I tried to give my bankruptcy attorney information. He hung up on me and when I called back, He would not give me his last name until I confronted how he was acting and this is not how an attorney is suppose to act nor say the words he was using to me. I stated that I wanted no contact written or oral from the XXXX XXXX XXXX and he said that he can contact me and I stated with the FDCPA, I am giving notice of no contact, he disagrees and again tried to belittle me because of filing chapter XXXX bankruptcy. At the beginning of call,. I was threaten to be sued and when he hung up on me and I called back the case now was in process of a lawsuit. How does that happen within minutes of a conversation? Very unprofessional and consumers should not be a threaten or belittled.

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 2023-06-07
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
PayPal is increasing its harassment of ouXXXX XXXX XXXX XXXX XXXX by, out of the blue, demanding incredibly personal, private, intrusive, invasive, illegal, unethical, immoral, and unconstitutional documentation, data, business records, financial records, and other information in order to ( 1 ) release our money that they have stolen/withheld and ( 2 ) continue allowing our clients to process their credit card payments thereon. This bait and switch, hitting us when we are in the middle of using their services and thus dependent on them to number one release our XXXX XXXX XXXX XXXX fee money, is beyond the pale, in terms of bad business practices, deceptive business practices, extortion, blackmail, threats, harassment, obstruction of justice, tampering with our small business, sabotage, terrorism, invasion of privacy, and other criminal, ethical, and moral transgressions. Please immediately and urgently investigate and advise. 

Release our funds, stop harassing us arbitrarily and capriciously, and let us continue to get on with the day to day running of our XXXX XXXX small business without XXXX, interruption, harassment, sabotage, disruption, and terrorism by PayPal Risk Management.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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 2023-08-30
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit reporting 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 recently received a report informing me that my SSN, DOB, and driver 's license number was found on the XXXX XXXX XXXX in XX/XX/XXXX due to a XXXX XXXX in XX/XX/XXXX. I pulled my XXXX credit report and see that on XX/XX/XXXX a soft and hard inquiry was made by Greensky Installment, which I did not make. I've contacted XXXX to explain the breach and to report the non-authorized inquiry. They have set up a Fraud Alert on my account and will start the process of removing the fraudulent inquiry, XXXX has advised me to contact you, the Federal Trade Commission to report the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I did not consent to this UNFAIR and INACCURATE information to be reported to My consumer report. Please Remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with consumer.

15 USC 1681 C-2 ( a ) You have 4 days from the date of this notice to comply with my demands as set forth in the context above. This will be my first and FINAL attempt to rescue this as I am prepared to litigate.

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 2023-01-05
Company: P.S.C., Inc
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2020 my wife was rear ended by another vehicle while on the off-ramp of a freeway. Not only was the at fault driver not billed for the emergency services ( transportation ) rendered to my wife as they should have been. The company has refused to work with XXXX as I am XXXX XXXX military for payment that they deemed my wife and I responsible to pay. XXXX was contacted and ensured my wife and I that they have sent correspondence to the debt collector stating my wife nor I are responsible for this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
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: Was not notified of investigation status or results

Complaint:
The consumer, who is a federally protected consumer, is here to dispute any purported claims that you are now listing as a consumer debt on the consumer 's credit report. 
In accordance with Section 809 of the Fair Debt Collection Practices Act ( 15 USC 1692g ), the Consumer is requesting confirmation from you ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
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:
I am in disagreement with the items listed on my credit report as having late payments ... The credit bureaus refused to reverse the late payments..Not to mention they will not give me an explanation as to why they wont overturn or fix this inaccurate claim..It has greatly affected my credit score..I would like these items be fix on my credit report immediately. 
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 2020-03-07
Company: Arete Financial Group
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Disputed : XXXX/XXXX/XXXX CFPB : XXXX XXXX XXXX & Arete Financial Group LLC Account : XXXX In XX/XX/XXXX I contracted the services of Arete Financial Group, LLC a debt consolidation company to assist me with the consolidation of debts that were causing me great financial hardship due to a decline in my income due to a reduction of hours worked for health reason. The program I committed to enabled the payoff of debts to ( 7 ) creditors, one of which is : XXXX XXXX  with an original debt of {$6300.00}. 
I have just completed my accounting for tax purposes and found that I have paid {$600.00} to the creditor via the consolidation program and my balance now due is {$5700.00}. 
I have continually made my payments on time to this company and paid more than the agreed monthly payment amount and I have never received an update statement requested each month outlining my balance although I have contacted the company over the last ( 6 ) months and have not been able to receive a response to any of my communication. 
On XX/XX/XXXX I wrote to the creditor and offered my promissory note and payment arrangement which was sovereign certified because it had come to light that the consolidation company is no longer trading and is under investigation for Fraud and Deception by the FTC and it has also come to light that my payments made to the creditor via this company were never applied to my debt which now has negatively impacted the balance owed. 
My direct offer to the creditor on XX/XX/XXXX to pay off a remaining balance of {$6300.00} was declined by the creditor of which I am grateful as my financial accounts highlights that balance as being incorrect and if it were accepted at that time, I would be liable for paying far more that what is actually owed and I request that the amount owed be corrected to reflect the payment made of {$600.00} via the consolidation company and report the actual correct balance of {$5700.00}. 
Please see attached signed Agreement page for debt consolidation program and the date of the agreement.

Company response to consumer: Untimely response
Consumer complaint received 2019-03-21
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland Credit Management ( MCM ) keeps calling me about a debt that does not belong to me, but belongs to a person that put me down as a reference on a loan application 10 years ago. I've already told this company that I have not seen or had contact with this person for many years after he moved out of state and have no contact information for him. The person that owes the debt is not related to me. He is the son of a family that I used to go to church with. I've asked to be removed from their system, but they will not stop calling me. I get almost daily phone calls and even though I have blocked their phone numbers, they keep calling with a device that generates different phone numbers which may be illegal. They call me at all hours and have woken me from sleep. I have to silence my phone all the time to keep from being disturbed. I only have the name of the person that owes the debt. I have no account numbers or amount of the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-05
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have home equity line, originally from XXXX XXXX XXXX, acquired by Specialized Loan Servicing account # XXXX. I have XXXX balance. 

I have tried -- 5 times now -- three via phone, one in email, and on with their online system to close this account so that I can proceed with refinancing. They respond consistently that I need to pay off the account, or request a payoff quote, which I have -- which is {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-10
Company: Duncan Solutions, lnc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Professional Account Management mailed me two 'DEMAND FOR PAYMENT '' letters on XX/XX/2022 and XX/XX/2022. I do not believe this debt is accurate. I have and have had for over 1 year now a current XXXX  account which is current and when I brought this " DEMAND FOR PAYMENT '' letter that they sent me to the XXXX. XXXX customer service checked the information on the " DEMAND FOR PAYMENT '' letter and stated that I DO NOT OWE ANY MONIES ON THIS ACCOUNT NUMBER OR LICENSE PLATE.ALL FEES PAID VIA XXXX XXXX HAVE THE RECIEPT FROM XXXX TO PROVE IT. As I explained to PROFESSIONAL ACCOUNT MANAGEMENT in the certified letter # XXXX XXXX XXXX XXXX XXXX that I mailed to THEM on XX/XX/2022. Professional Account Management failed to respond with any of the requested supporting documents listed. An account number and unpaid charges of {$74.00} is NOT proof of validation of an alleged debt. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt and you never send it.Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are attempting to collect a debt that I do NOT OWE!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I started my loan with XXXX XXXX  and recently my loan got sold to Freedom mortgage. XXXX states that they sent me a goodbye letter, which I never received. I heard absolutely nothing from freedom mortgage. I went to pay my bill on the first like I always do and XXXX wouldnt accept the payment just a AS OF XX/XX/2020 YOUR LOAN HAS BEEN TRANSFERRED TO FREEDOM MORTGAGE alert came up. So I went to their website and I needed a loan number. I called them and they said it wasnt available. I asked the representative when would it be ready and she said after the XX/XX/XXXX. I called back on XX/XX/XXXX only to be hung up on once, transferred to a supervisor and advised by the supervisor to call XXXX. I need to pay my bill on the first of every month due to my budget and spending plan. Whats going to happen is, it wont be ready till the XX/XX/XXXX-XX/XX/XXXX and Im going to have to pay it again on the XX/XX/XXXX which paying XXXX within 2 weeks of each other is going to cause serious financial damage to me and my family. I need someone to take care of this. Thank you

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 2023-11-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I got a text notification on my phone on XX/XX/, that I made a purchase {$650.00} at a store called XXXX XXXX with my chase credit card. I was working in office at that time, so I called Chase customer service immediately to report the fraud transaction. I tell them everything, and also mention that my card is not lost, they refund the transaction to me and send me a new card. Then XX/XX/, I got another call from chase, because I have the possession of the card, they decide to deduction that money from my card again. I am not satisfied about the result, so I call not accept that, they reopen the case for investigation. Today I receive a notification on my app, and they decide to deduct that money from my account because I get the benefit from that transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-29
Company: United Collection Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Ive tried calling UCB ( United Collections Bureau ) at phone number XXXX and XXXX to pay my debt and have not been able to get in contact with anyone. I need to pay this debt which is affecting my credit and cant manage to get a hold of anyone from the company to help me. I have left voicemails and called multiple times just to be on hold for over XXXX minutes and then be sent to voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
Company: Lending Club Corp
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Disputed : XXXX/XXXX/XXXX CFPB : Lending Club Corp & XXXX XXXX XXXX XXXX Account : XXXX In XX/XX/XXXX I contracted the services of XXXX XXXX XXXX, XXXX a debt consolidation company to assist me with the consolidation of debts that were causing me great financial hardship due to a decline in my income due to a reduction of hours worked for health reason. The program I committed to enabled the payoff of debts to ( 7 ) creditors, one of which is : Lending Corp with an  balance of {$15000.00}. 
I have just completed my accounting for tax purposes and found that I have paid {$600.00} to the creditor via the consolidation program and my balance now due is {$15000.00}.

I have continually made my payments on time to this company and paid more than the agreed monthly payment amount and I have never received an update statement requested each month outlining my balance although I have contacted the company over the last ( 6 ) months and have not been able to receive a response to any of my communication. 
On XX/XX/XXXX I wrote to the creditor and offered my promissory note and payment arrangement which was sovereign certified because it had come to light that the consolidation company is no longer trading and is under investigation for Fraud and Deception by the FTC and it has also come to light that my payments made to the creditor via this company were never applied to my debt which now has negatively impacted the balance owed. 
My direct offer of installments payments to the creditor made on XX/XX/XXXX for the remaining balance was declined by the creditor of which I am grateful,, my financial accounts highlights that the reporting balance is incorrect and if it were accepted at that time, I would be liable for paying far more that what is actually owed. 
Please see attached signed Agreement page for debt consolidation program and the date of the agreement.

Company response to consumer: Closed with explanation