BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-22
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
My friends and family members are regularly receiving calls from " XXXX '' stating they were contracted out by " location services '' to collect my debt on the behalf of a payday loan that has been satisfied for years. 

They tell my friends and family members that I have a pending case against me and will be going to jail. 

When I call the number they furnish, they say they make no outgoing calls but refuse to give me their full name/address/etc ... all they ask for is my credit card and checking info. then I am threatened with a lawsuit and hung up on. 

I need them to stop calling friends and family members.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: Experian Information Solutions Inc.
State: FL
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:
PLEASE SEE ATTACHMENTS. EACH TIME I SUBMIT A COMPLAINT, THEY REFUSE TO INVESTIGATE MY SUGGESTING THAT I AM NOT SUBMITTING THE COMPLAINT ON MY BEHALF. I SUBMIT COPIES OF MY DRIVER LICENSE, LEASE, ETC AND STILL NO INVESTIGATION. I HAVE COMPLIED ALL OF THIS DATA AND WILL ALSO BE SUBMITTING IT TO THE STATE ATTORNEYS OFFICE FOR FURTHER INVESTIGATION. 

ADDITIONALLY, THE XXXX XXXX XXXX IS REPORTING ON MY ACCOUNT AS A CHARGE-OFF AND WAS RECENTLY ADDED AS A " NEW COLLECTION '. THIS TOO GOES AGAINST FCRA PRACTICES. PLEASE DELETE THIS FRAUDULENT ACCOUNTS FROM MY REPORT IMMEDIATELY.

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 2022-03-29
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I put in a dispute with Chase Credit Card for the charge of XXXX by XXXX  XXXX XXXX. 

I am not using this antiquated system. Primarily because your bank HAS FAILED TO ADDRESS MY INITIAL COMPLAINT THAT I WAS A VICTIM OF A CRIM, I SUBMITTED ALL INFORMATION MULTIPLE TIMES VIA YOUR FORM AS WELL AS TOO EMPLOYEE 'S. YOU HAD EMPLOYEE CONTINUE TO CALL ME FOR INFORMATION I HAD SPENT HOURS GIVING TO YOUR COMPANY AND YOU HAD EITHER IN DIRECT WRITTEN FORM VIA THIS FORM OR SHOULD HAVE BEEN NOTED BY YOUR AGENTS. 

You can not force me to use this, it is a dereliction of fiduciary duty as you have FAILED TO EVER ADDRESS MY INITIAL COMPLAIN YOU FAILED TO SERVICE ME WHEN I CLEARLY AND VALIDLY FILLED THIS OUT BEFORE. 

The fact you even sent it to me is going to trigger another round of complaints to the usual. 

I am including all the information I have already sent the party who charged me when I complained to the XXXX for Business Profile for XXXX XXXX XXXX XXXX Headquarters Multi Location Business Find locations At-a-glance Contact Information XXXX XXXX XXXX XXXX XXXX XXXX IN XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX I placed the name under XXXX XXXX Order # XXXX TOTAL {$60.00} I ordered from steak and shake, first off they missed 2 Chili 's. They also claimed when I called them they didn't see that on my order notes, the way the items were meant to be made was completely wrong on literally everything but one burger I had made normally. You can see on the itemized receipt the XXXX doesn't have extra sauce it has barely any and was dry, the double cheese burgers didn't have pickles or onions I paid for on all 3 sandwiches, and on the website i selected no mustard but they have mustard. The franks came without mustard as requested but I bought them to get a deal on the Chili and did not get the Chili I would not have otherwise purchased them. The cotton candy milkshake is cookie dough and has whipped cream and cherry which I asked to be left off, overall I paid for delivery of these items but at least 80 % of them were wrong or groce .... The onion rings were soggy clumped together soft and oily mess, they were not what was advertised and certainly where coated in oil nasty and inedible and due to being coated in oil did not match the nutritional info on XXXX XXXX XXXX XXXX website. 

I have given you all information needed for the dispute including pictures.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-22
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:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus.

Below are fraudulently unauthorized inquires on my report : Company : XXXX  Date : XX/XX/XXXXCompany : XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX  Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX Company : XXXX XXXX   Date : XX/XX/XXXXCompany : XXXX Date : XX/XX/XXXX BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Account # : XXXX Date Open:XX/XX/XXXX Balance : {$200.00}, {$98.00} & {$83.00} Account # : XXXX Date Open:XX/XX/XXXX Balance : {$260.00} Company : XXXX XXXX XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$500.00} Company : XXXX XXXX XXXX XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$500.00} Company : XXXX XXXX  Account # : XXXX  Date Open : XX/XX/XXXX Balance : {$100.00} and {$700.00} Company : XXXX XXXX XXXX XXXX   Account # : XXXX Date Open : XX/XX/XXXX Balance : XXXX Company : XXXX XXXX XXXX Account # : XXXX  Date Open:XX/XX/XXXX Balance : {$180.00} and {$250.00}

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 2018-12-19
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
i tried to transfer my american express reward points to my XXXX account. But Amex is not permitting me to transfer any XXXX points to hotel, etc. They are giving the the following message : This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. I called the customer service and they transferred to membership rewards department, the membership rewards department said they can not help me and transferred back to customer service department, and customer service department said since it's the rewards issue, they have to transfer me to membership rewards department. Then, I was transferred to membership rewards department again. After repeat my issue, the membership rewards representative explained to me due to my account is under review, only customer service department may help me. I felt so frustrated and said it's totally wasting my time because they are kicking the ball to each other and no one is trying to help. Then I ended the call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I entered into an agreement with XXXX to service my mortgage. After entering into the agreement, XXXX commenced to breach the agreement by refusing to credit timely payments to my account and instead reporting me late.

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 2018-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have received and email from XXXX onXX/XX/2018 of a complaint I did not submit. They claim that they have investigated this address which I have never seen or have lived in XXXX. The address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Single family and that Information on this item has been updated as shown above. They have a Report Number : XXXX Date Generated : XX/XX/2018. I have never lived in XXXX nor been there. I disagree with the out come of this address which I never submitted in the first place. I want this unknown address removed immediately.

Also I have tried to have them remove addresses that do not belong to me.

XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX All of these address are incorrect and needs to be removed.

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 2019-03-28
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: Investigation took more than 30 days

Complaint:
We bought our house in XX/XX/2018 loan from XXXX XXXX, We never got any mortgage payment information. On XX/XX/XXXX they emailed us saying the mortgage interest statement was not delivered. they asked as the right address, so we though ok from now we might get all the mails, They still did not let us know the loan was sold to another company, we did not gt any good bye letter from XXXX. 

On XX/XX/XXXX night we get a CREDIT alert for mortgage being added to our credit and late payment. From which we come to know the loan has been sold to XXXX, we call XXXX the very next day and pay the whole amount which was pending. 

Our credit is down by 280 points because of this. 

We have this complaint against XXXX XXXX for 1> not letting us know the company they sold our loan 2> after learning they had the wrong address they did not let XXXX know about this.

3> affected our credit score and not taking any action to let us know or clear this.

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 2018-05-22
Company: C & M Associates Group, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
They Keep harassing me and I own no debt. Please have them stop, and not to share my number with anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: PRESTIGE FINANCIAL SERVICES INC
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I am writing to the CFPB today requesting assistance on receiving information regarding a debt I have with Prestige Financial. I financed a vehicle through this company at a 21 % interest rate for almost {$35000.00} back in XX/XX/XXXX, soon after my Bankruptcy was discharged that same year. I lost my job in XX/XX/XXXX and they were unwilling to work with me, payments wise, until I got another job. The vehicle was repossessed in XX/XX/XXXX and was sold at in auction for {$12000.00}, leaving roughly a deficiency balance of {$23000.00}. They continue to charge an interest rate of 21 % on the balance owed and my paycheck has been garnished off and on for more than a decade, for this vehicle that I have not had since XX/XX/XXXX. I have asked on numerous occasions, for an itemized statement showing my place payments made and interest. In addition, I have asked for the balance owed, a copy of the original contract and other pertinent information regarding this loan balance and I have not once received anything from Prestige, except what is listed on the Garnishment paperwork, every time they resubmit the continuation of garnishment through the courts. On multiple occasions, they have told me that they would provide the information I have requested and yet, have received nothing. Prestige has called and harassed me at multiple places of employments and have went as far as lying to coworkers to obtain information for garnishment purposes. I feel that I am being and have been, taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: EarnUp Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had been a customer of Earn-up ( formerly XXXX XXXX ) since XX/XX/XXXX and up until never had any issues with " skipping a check '' during the months where I would have 3 check or withdrawals until XX/XX/XXXX. Earn-up had just taken over the activities from XXXX XXXX. So this made me wonder and I immediately requested a transaction history of payments and withdrawals. After several calls and emails, on XX/XX/XXXX, I received a transaction history of payments and withdrawals from XX/XX/XXXX to XX/XX/XXXX. I reconciled the payment and withdrawals and found discrepancies. On XX/XX/XXXX I sent a request to Earn-up to review the reconciliation, investigate, and issue a refund. I provided them with details of the reconciliation : ( 1 ) {$1200.00} more withdrawals versus payment to the mortgage companies ; ( 2 ) Questionable " One Time Deduction '' of {$11.00} ( included above ) ( 3 ) {$290.00} of Questionable ACH Fees Earn-up contacted me and promised a response. They did satisfactorily explain the {$11.00} withdrawal early on but that was all! but even on XX/XX/XXXX, I had to follow-up in writing. I went through my analysis several times with " XXXX in the Escalation Team '', have made several phone calls and followup emails, only to be told that they were working on, and I would have a resolution soon. I informed them that I would be escalating the issue legally. The " last straw '' was when I called on XX/XX/XXXX and was told that my case had been resolved and to expect either a refund or an explanation on or before Monday, XX/XX/XXXX. I received a refund in my bank account on Friday, XXXX XXXX, XXXX for {$240.00}. I rejected this amount and have asked Earn-up to explain how they arrived at this amount, but they have not. 

Earn-up told me I took part in a settlement from Consumer Financial Protection Board ( CFPB ) settlement in which I was refunded fees in the amount of {$480.00} on XX/XX/XXXX, and the settlement conditions. I have asked of proof of this. 

My complaint is that based on a more detailed breakdown analysis, I contend that EARNUP still owes me {$880.00} : A. At the time of the settlement the amount due from Pay Map was {$390.00}, which means they refunded me {$92.00} more than what they should have for this period. As you have stated this settled all amounts due at that time. 
B. From XXXX there was {$1100.00} more withdrawals than payments. Only {$240.00} was refunded which they still have provided any details or support of how they arrived at this amount, just that it was a balance in the account. The total difference is {$880.00} due for this period.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: Experian Information Solutions 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 status incorrect

Complaint:
This account is showing open paid Collection amount XXXX No account details Account showing opened XX/XX/2018 and should be removed altogether because this is false Amount due XXXX Previous balance XXXX Account should not be reporting because it is inaccurate reporting as the account was PAID DIRECTLY to 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 2018-12-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Capital One reported to the credit bureaus that I did make a late Payment on my account in XX/XX/2017. The credit bureaus have reported the payment history of XX/XX/2017 as a 30 day late payment. I spoke with the company today to resolve the matter and to dispute an inaccurate claim. Payments were MADE in XX/XX/2017 and Capital One needs to address its inaccurate reporting immediately from each credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08
Company: ProCollect, 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:
Account turned over to XXXX with an incorrect amount ( initially the credit report showed {$1700.00} ) An adjustment made, but still incorrect amount ( shows {$910.00} ),  and management admitted charging rent on two different lease contracts, as admitted in an email on XX/XX/2018, yet they are still trying to charge a reletting fee ( {$990.00} ) which is illegal and still reporting an incorrect amount on my credit report without removing the illegal fee of {$990.00}.

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 explanation
Consumer complaint received 2018-05-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
around XX/XX/2017, Bank of America closed my checking account and forfeited my account claiming that the money was not mine. Talked to the bank several times and they have declined to tell me what happened, with no cooperation form the bank.

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 2020-10-15
Company: EQUIFAX, 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:
XXXX card is showing that I was 30 days late but that is inaccurate. I was 18 days late and 10 days late the other time both are under 30 days and are being reported inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
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:
THE ACCOUNTS/INQUIRIES LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX XXXX and Experian CRAs. On XX/XX/2020, I mailed XXXX   XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2018-05-23
Company: JPMORGAN CHASE & CO.
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Chase Mortgage sold my mortgage to XXXX XXXX, prior to the sale. My principal balance was {$84000.00}. In fact, I had received a statement from Chase for that amount. 

Chase allegedly claims a Subprime Mortgage was done, I never agreed to the terms or a Sub Prime Mortgage, I was applying for the HARP Program, since Chase is a Bank, the Federal Government gave Chase Millions of dollars to help home owners with upside down  mortgages hit by the Real Estate Bubble of XX/XX/XXXX, I was one of those clients. Chase initially gave me a 36 months military payment plan of 1 percent at {$460.00} a month. Later, Chase sold my mortgage to XXXX XXXX for {$240000.00}. Now, XXXX XXXX is planning to foreclose on the Property on XX/XX/XXXX if the amount of over {$20000.00} dollars is not cured by then. 

The other issue, is I was in Bankruptcy and when the Mortgage was released from the Stay. XXXX XXXX added all the late fees and charges. 

This is the same Sub Prime Mortgage Scam Chase Mortgage was fined for XXXX XXXX dollars. 

I need the Consumer Protection Financial Bureau to investigate this matter on Chase as soon as possible and communicate to Select Portfolio of this wrong doing to avoid the Foreclosure date. 

Chase mortgage XXXX Loan number : XXXX

Company response to consumer: Closed with explanation