BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-07
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had a payment due  XXXX / XXXX / 2017 . As of  XXXX , I was sent an email that my payment was not received, and logging into their site I see a late fee was applied. I worked with customer service, who said there 's magically no way to reverse the late fee because computers, and that I must 've paid after the cutoff time. Their site allows a choice of date to apply, which I did for that day. Customer service claims I must 've missed the cutoff time, but gives nothing to back up that claim. I contend that I paid it in time, including the cutoff time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-03
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
One of the worst companies I have dealt with. I had my mortgage on forbearance due to COVID, and I started making payments after that. They reported to the credit bureau as missing payments. Based on the agent I talked with, they redistributed the payment to the previous months instead of the current one, without my permission or even informing me. 
In the next month, my monthly payment went higher than it should be every single month for 3 consecutive months ; I called to find out they added two insurance policies on my account at the time my insurance policies are current and active. I had to call my insurance company to send them to Shell Point fax number, which either does not work or nobody gets the documents from, so whenever you call to follow up, they would say they have not received any document. 
When you talk with them, they would never admit their mistake, instead, you have to be held responsible for their mistakes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Citi / AAdvantage Platinum Select-0011 Disputing membership fee and late fee charges due to terrible customer service. 

Issue : I called to dispute on XX/XX/XXXX - the customer service said that they can only waive one late fee in their system, not two. However, the late fee was never supposed to be posted in a first place, which they admitted because they have a note in their system. I request a full refund, including my membership fee of {$99.00} ( XX/XX/XXXX to XX/XX/XXXX ). 

Membership fee XX/XX/XXXX to XX/XX/XXXX was due XX/XX/XXXX Paid on XX/XX/XXXX - the late fee was waived, Citi has a note about it in their system Late fee {$29.00} and interest {$1.00} were charged on XX/XX/XXXX. I thought it was a mistake. 
Another Late fee {$30.00} interest {$0.00} were charged on XX/XX/XXXX. 

Citi indicated they can only waive one late fee, their system does not allow to waive both. However, it is their own fault for failing me as a customer.

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 2017-07-07
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
on X/XX/2017 Sent a letter to CommonWealth Financial Systems inc. ( letter attached ) requesting back up on the debt they are reporting on my credit report. They replied back ( letter attached ) that I  needed to call w/social security # 4 digits/date of birth etc ... so they can properly identify me. I find this a bit disturbing that they clearly have this information since they are able to report on my credit - I will NOT call their office to verify my information. In my letter I also stated do not try to collect this debt which I do not know what it is for until they provide back if you notice at the end of the letter from the it states this is an attempt to collect a debt and used for this purpose. <P/>Last 4 digit of my social in next step - once again they should have this information since they are reporting. <P/>I find this is a tactic to continue to report & absolutely ridiculous this is my 2nd complaint - it was closed due to the company stating they can not verify my identity or the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
After receiving a credit alert about Capital One reporting a negative account to all three credit bureaus, I immediately contacted them. They told me that this account was being used and payments were being made to the account. I 've never received any credit card from Capital One and never even knew I was approved for the credit card. Capital One did mail me a document clearly stating " I will not be liable for any of the unauthorized charges '' which contains a list of items. They then did their job and removed it from my credit report, but one month later they illegally reinserted it into my XXXX XXXX credit report. After I called XXXX XXXX, they told me they switched the account numbers up but it certainly is the same account with a balance due of {$2900.00}. I was not notified of this by mail, as required by the FCRA. XXXX XXXX said it might be a mistake by Capital One so I called them back and they confirmed it. I have a copy of the XXXX XXXX report showing this account was deleted by Capital One on XXXX/XXXX/17. Now it was reinserted illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have a checking account ( ending in XXXX ) with Chase Bank and up until the end of last month, had a checking account ( ending in XXXX ). I was surprised to find my account had been changed from a savings to a checking account without notice sometime in late XXXX. I had never had this happen before ( in the past the account has just been closed ) so I didn't want any of my money in an account I did not know and had not authorized. I got a savings account for the purpose of having bills and other monthly payments set to autopay so that I am a little less stressed come time for them to collect. I contacted the vendors I have set to take money out on autopay each month from the account ending in XXXX, letting them know that there was a temporary account change for payment untilI could figure out what this new account was and how to reinstate my savings. 

After doing research, I discovered that Chase will do this if I have exceeded my withdrawal limit for the statement period. I didn't argue or question this change because I was honest about my account activity that last month and was fine to continue on with two checking accounts until I could get a checking. Unfortunately, my car insurance company was not so quick to turn over the account information and my monthly payment was deducted from the now checking account ending in XXXX. This put my balance for that account in the negative which also resulted in my account being charged an overdraft fee. Though I was annoyed, I accepted this charge and again, didn't argue it's validity. 

It wasn't until this morning when I checked my bank account that I noticed my first checking account ( ending in XXXX ) now had a balance of {$0.00}. Apparently, my car insurance made another attempt at collecting money from the account ending XXXX and once the money had been taken out XXXX or more like the negative number of the account increased XXXX, Chase also removed whatever was left in my first account and deposited it into the account ending in XXXX. 

I have never authorized this activity, whether it be a purposeful transfer or an automated one. What I DID authorize was for Chase to stop processing transactions should my account balance exceed - {$300.00} but that also never happened for either account. I am beyond annoyed with all the change that has happened to my account over the last month but now I'm furious that MY money is being moved around in ways I never approved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-10
Company: ALLY FINANCIAL INC.
State: WV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have a loan on a vehicle and my payments are {$430.00} ally financial is saying that I am {$45.00} past due and I have records from bank to show payments was deducted

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: AIH Receivables Management Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
AIH Recievables has been calling my father 's office phone, his company phone and his cellphone repeatedly. They are only allowed to call once, and they continue to call several times a week. I don't know if they ever sent a written notice of any debt, because I am not sure what debt this could be in reference to. 

This is incredibly hard on my father and his company. It is a smaller, start-up type company and they really don't have time to deal with constant, harassing calls. 

I believe they have violated the FDCPA, due to : the harassing nature of the calls ( over 10 calls made to his office ), the fact that they have repeatedly tried to contact a third party, and because I NEVER provided any number related to my father on my medical accounts. 

Please let me know how I can move forward in submitting these violations, as this has been very annoying for my father, and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: WA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Since XX/XX/XXXX, a debt collection company named " Community Loan Servicing LLC '' has been contacting me repeatedly by phone and U.S. Mail. They are attempting to collect on an extinguished debt, which has been resolved years ago, by my XXXX XXXX XXXX XXXX, issued by XXXX XXXX, XXXX, WA, XX/XX/XXXX. 

Even though Community Loan Servicing acknowledges the Court Discharge ( in writing ) they continue to violate the rule of law, my Court Discharge Order, by making repeated attempts to contact, threaten, and harass me. They have repeatedly violated the FRBP, which carries heavy fines.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: Optimum Outcomes, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Full amount of XXXX was paid on XX/XX/20 however account was placed for collections on XX/XX/20. I attempted to get this removed and even tho they say its been removed, its still reflecting on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: Ditech Financial LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ditech in XXXX, Calif. refuses to credit my principal payment of XXXX, they received and cashed on XXXX XXXX, 2017, they continue to say they never got payment OVER PHONE AND ON THEIR WEB SITE, even though I faxed them cancelled check, the check had the account no. and property address on it too. This seems illegal and not fair to me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 go to look at my credit score on XXXX and I look at my report through XXXX and there is an Hard inquiry from XXXX XXXX XXXX. I have never applied nor had any kind of account with them so i called them and they confirmed that they do n't have anything on file for me and never have. Then i call XXXX XXXX to see what was going on and I was told to call XXXX who directed me to you all because they could n't help me which is why i am filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Experian Information Solutions Inc.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX XXXX  DOESN'T READ COMPLAINTS. I have continually complained against Experian and XXXX XXXX XXXX XXXX ( XXXX ) because they accessed my credit report without my permissible permission on XX/XX/2017. I continually request the permissible permission and have yet to revive. I know it does not exist. XXXX doesnt read the complaints and continues to label complaints This complaint appears to be about the same issues as a complaint weve already processed for you. The complaint number for the complaint weve already processed for you is XXXX. This repeat complaint is now closed. There will be no further action on this complaint. But then they contradict the above statement by stating Keep track of the original complaint numberXXXXso you can track its status and receive the company response on your Consumer Portal or by calling us. Doesnt make any sense.

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 2017-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
So I was sent a promotional code to get a capital one card. I got approved for the card. I called to activate my card. I was then transferred to the fraud department. As told to me that thousands of others used that code. However that does n't apply to me what thousands used when I was sent a card. However I was transferred to the manager and all that was needed from me was to show proof of my identification so I scanned and sent my social, and driver license that has proof of my address. So my card was activated. The next day I used my card however I tried to make a purchase yesterday after I got off work and tried to make a small gas purchase my card was declined. I called capital one and it was told to me my account was closed. I spoke with a representative and then ask for a supervisor as told to me from the supervisor there 's nothing no one can do about my account being closed. However the day I was approved for the card I got a hard inquiry on my credit report. I received my cycle date, my payment date, and the ending of the o % interest rate date. I sent in my personal information to verify that it was me that applied for the card. From reading the Credit Card Act of 2009 I think you guys not only broke the law but violated the Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: ALLY FINANCIAL INC.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XX/XX/2018 Ally bank Market my account as over drafted but I never created an account with them, a while later i decided to create an account myself & when i deposited money. they took money from my account. {$2000.00} & then market my account has negative {$2000.00} it was a complete banking error and when i confronted them about it they just blocked my account & refuse my phone calls. 

I NEED JUSTICE!

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 2017-11-10
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX I took out a home loan with XXXX XXXX XXXX XXXX dot XXXX for $ XXXX. It has been transferred multiple times and an alleged servicer called XXXX from XXXX has been collecting payments from me but I have still not received an updated statement as required by State and Federal Law. They claim that XXXX XXXX XXXX XXXX. is the Trustee for a Trust called XXXX XXXX XXXX XXXX which owns no properties nor ever acquired my note since it was filed with the XXXX XXXX  XXXX in a Chapter 13 BK filed by the original lender XXXX XXXX. My Attorney has sent them a QRW asking them ofr certian information and they have yet to reply to it. We ask that the CFPB please get involved as soon as possible and investigate this since we believe the documents filed by them on title are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: Diversified Consultants, Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received request from Diversified that they were trying to collect this debt that is not mine. I mailed them a certified letter that was signed for requesting them to verify this debt with proof of application, signature on application, all accounting information of this debt. This was signed for by someone in there office as I have the receipt. They did not send me proof of validation of this debt and this was previously deleted from my credit by a different agency as they seen this was not my account. Now today I see this has been added to my credit report! this is violated my FCRA rights and I need answers!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-10
Company: CITIBANK, N.A.
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:
I am disputing the Macy 's account XXXX. This company reported me late twice last XXXX. 30 days late last XXXX XXXX and 60 days last XXXX XXXX. We never had any contact after I applied for this Macys account. No email, call, mail and not even a statement or bill. I was under the impression that I can have the first purchase discount even without the card and will be charged to my debit card. I was not informed that it will be applied to the card. I never receive a card from Macys. I never activated a card and never use it. I called Macys today and verified with them that the address they have on file is an old address. I was not able to receive any letter. According to the representative I spoke with, the account was closed by Macys because all the letters they sent was returned to them confirming that I was never ever informed about the account. I was not able to provide them my new address because I was never contacted by them thinking that this account never went through. I did not activate online access thinking that there was never an account. I paid them XXXX XXXX. I am disputing the fact that, that amount should have paid on time if they were able to contact me. It 's not my fault the payment was late. It is not my fault that I did not receive the card.

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 2017-11-06
Company: JH Portfolio Debt Equities, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Non stop threatening phone calls

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
IAW 15 USC 1692 I sent a Notice and Demand to Validate Debt Claim to LVNV Funding LLC. I also filed a claim with XXXX. LVNV Funding LLC did NOT respond back within 30 days with the required information to validate that an actual debt exists. They did receive the notice and signed for it via Certified Mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: Experian Information Solutions Inc.
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:
I have collections on Experian, XXXX and XXXX XXXXhat do not belong to me. 
XXXX XXXX XXXX, XXXX XXXX XXXX {$350.00}

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