BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-12
Company: JPMORGAN CHASE & CO.
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I have filed my complaint with Chase Bank earlier ( XXXX ) and now I received another letter informing me that they would start charging me {$5.00} fee for the savings account that I 've been trying to close for months, which they did n't even informed me until NOW. They said they would waive my fee until XX/XX/XXXX since they forgot to inform me but this is just an added stress to their already sloppy service. I do NOT want to be charged for {$5.00} fee for the account that should have been closed months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I feel like my credit card company is over charging me late fees for the credit card I need to pay off. I’ve been pay $XXXX  since the beginning of the year every month when called to ask what the remaining balance still is they said it was still 4,000plus that’s what it was starting off so I’m not sure why it hasn’t gone down after all these months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: EQUIFAX, INC.
State: OK
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:
In XX/XX/XXXXthere was a bankruptcy filed. Once the bankruptcy discharged there was a huge amount of issues on my credit report. There were accounts that were included that should not have been. The bankruptcy court contact information was inaccurate, the amounts, phone numbers and case numbers. I sent letters to the credit bureaus in XX/XX/XXXX and XX/XX/XXXX to correct or update the information. None of the three credit bureaus updated the information nor removed the bankruptcy. I sent credit report dispute letters certified mail to both XXXX  and XXXX  on the XX/XX/XXXX. They were both received onXX/XX/XXXX. I followed up with both of them and XXXX also completed a phone dispute as well. I received an alert response onXX/XX/XXXX. I called XXXX in regards to the bankruptcy dispute. The agent notified me that it was confirmed and updated. I asked whom did they contact to confirm the bankruptcy information? The agent advised me that they used a third party system and did not want to provide me with the system. I advised them that I have access to systems as an XXXX and that I did not see any documentation either. I also explained the agent that according to the FCRA Act that the credit bureaus would need to update the correct information or remove the bankruptcy. I have also disputed accounts that were inaccurate along with huge amount of inquiries that were not authorized. I have reached out to all three credit bureaus and this issue still has not been resolved. I am a military service member and I should not have to constantly deal with these issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
NOTATION : This is a CHALLENGE and NOT A DISPUTE I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ).  Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of its reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is attached to this complaint and must be deleted immediately, so please do so without delay. 
I have attempted to resolve the issue directly with the respective parties, however found that they were non-compliant as per the FCRA and CDIA requirements

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX  XXXX called about an XXXX CC account that was more than 10 years old. I disputed the debt and told them to stop calling me. They called me about 10 more times from XX/XX/19 until XX/XX/19. I sent them a Do Not Contact notice via USPS and spoke with them on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Hello, For 3 weeks now Experian has been reporting incorrect utilization on my report. With a number thats not even possible - 337 % Utilization ( please see attached doc ). Theres no such a thing, as 337 % Utilization. It should be 25 %. XXXX and XXXX  is reporting quickly. But Experian doesnt it and it make it difficult to dispute anything

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 2019-03-13
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/2019 I received 4 phone calls from Conns electronics and a text message ( XXXX ). The phone called were at XXXX, XXXX, XXXX, XXXX. They ask for my sister and I told them that this is her sister number. Then that I will pay the balance today but after they kept calling my work number I got irritated and called them to tell them to stop harassing me and that I am not my sister. I feel as though they are harassing me because of the number of times they have contacted me on my work number, Ive told them to stop contacting me and they still contact me and they are still contacting me after I told them that I am not my sister

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I am using ciiti credit diamond. As per the card benefits if i purchase a flight ticket with citi credit card for full amount .for any reason if i cancel the ticket or not shown up or any problem if i cancled my ticket. citi card will do full refund and they protect me. For some reason i canclled my ticket and claim with citi benefits to get my refund, but now citi card claims department saying it will cover for some type of reasons they will refund not for all. Which i dont know and they did not mentioned any where else. 

Cliam submitted to the below email id # XXXX flight ticket purchase date : XX/XX/2019 Flight ticket purchase date : {$1300.00} Refund i recieved from XXXX XXXX  : {$970.00} Claimed with citi card benefits : {$350.00} Thanks

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 2021-02-22
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am trying to complete my taxes but the servicer ( Specialized Loan Services ( SLS ) ) for my mortgage company ( CMC Funding Inc ) hasn't sent me my tax form for the Mortgage Interest. Also, their website gives me an error " Network Error. Please try again later. '' every time I try to login to obtain the form. When I called I was treated rudely by XXXX ( Employee ID XXXX ). He refused to help me unless I provided him the last 4 digits of my Social Security #, which I refused to do over a cell phone. I told him just sent he form to the contact on file and that even if I was a thief that that would not hurt the person since it would be sent to the address/email on file. I was not providing a new address/email to send it to. XXXX refused to help and left me hold for over 10 minutes and did not get a supervisor that I asked for. He finally came back to the line ( or actually finally responded as it turns out he was ignoring me and reading through notes ) and he said he hadn't called a supervisor.

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 2019-08-21
Company: COLLECTECH DIVERSIFIED, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Was this contact made in person? Can you verify it was me? I do not go to XXXX. I have a XXXX XXXX  through XXXX. You may have spoken with someone but it was not me. I would not consent to treatment at XXXX if I was coherent. I'm sorry but I do not owe this debt. I will not be paying for something I have no recollection of. I never disputed it because I never knew about 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 2019-02-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE DISPUTED THIS ACCOUNT ( XXXX XXXX XXXX OPENED XX/XX/2018 ) WITH THIS BUREAU TIME AFTER TIME FOR THE LAST 3 MONTHS. I HAVE NOT RECEIVED ANY PROOF BACK OR ANY TYPE OF RESULTS. THIS ACCOUNT DOES NOT BELONG TO ME AND I DID NOT AUTHORIZE ANYONE TO OPEN THIS ACCOUNT. THE BUREU OS NOT COOPERATING WITH ME AND THIS ACCOUNT IS HINDERING ME FROM OBTAINING ANY FURTHER CREDIT.

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 2022-03-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
this debt is being continually handed to different debt collectors because Bank of America will not settle this debt on terms less than a figure they have decided on unilaterally

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 2017-08-07
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
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:
I filed for Chapter XXXX bankruptcy on XXXX/XXXX/2014. Ocwen has been reporting on my supplemental credit I have called over 30 times to get it resolved. I ; ve been given multiple answers to my question. I need help resolving this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: LoanCare, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage loan was sold to Loan Care, LLC effective XX/XX/2020. I tried to make a payment on XX/XX/XXXX but was told it would take until XX/XX/XXXX for everything to be finalized and verified but starting XX/XX/XXXX I could set up payments. I was also told that legally after a loan servicing transfer, the consumer has up to 60 days to get the payments set up without fees or penalties. I received an email on XX/XX/XXXX stating the loan was transferred and verified and I could set up payments. On XX/XX/XXXX, I set up a payment through a third party payment service and the mortgage payment was to process on XX/XX/XXXX and reach Loan Care on XX/XX/XXXX, that is LESS than one week from when the loan was finalized by Loan Care. On Monday, XX/XX/XXXX, I received a voice message from Loan Care to call them. I called and they were asking for a payment. I told them it was only four days since they finalized the loan and two of those days were weekend days. The rep said the call was an auto call and I should disregard it and she would take the info off my account. Two days later, XX/XX/XXXX, I got another voice message to call Loan Care and I called them back and yes, they are calling about a payment! This is harassment! Two days a part and I had already been told it would be taken off the file, as well as being told I had 60 days to set up a payment! The rep on Wednesday, XX/XX/XXXX, told me to disregard the call ; the payment had been received! Calling two days a part for a payment is harassment and it is magnified by the fact that Loan Care didnt have the loan finalized until XX/XX/XXXX AND we are in the middle of a pandemic! If this is how Loan Care does business they need to be shut down. They should not be servicing loans AND be a debt collection agency. That definitely blurs the lines for them and in my opinion creates a conflict of interest. They service a loan but do business like the debt collection agency with the mortgages they service. On a side note, I did not pick Loan Care for my mortgage. My mortgage was sold to them by XXXX XXXX. They also need to follow the law. Sixty days to set up payments without fees or penalties according to the law, not four days!

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 2018-10-04
Company: DISCOVER BANK
State: GA
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 have a loan with DISCOVERBANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and DISCOVERBANK with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: CITIBANK, N.A.
State: NY
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:
Citi has refused to refund Thank You rewards points for an airline ticket purchased thru their program. I used XXXX Citi Thank You rewards points to book a flight on XXXX XXXX. My ticket was purchased with points on XX/XX/2020, and the flights were s subsequently cancelled by XXXX. To date, I've yet to receive a reinstatement of the Thank You points from Citibank. I have called the Citi Thank You point help center multiple times only to be told that the travel agency can not do anything, and that it is up to the airline to issue the refund, even though I did not purchase the ticket with the airline, rather I purchased it using Citi Thank You rewards.

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 2019-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have reached out to the credit bureau about this problem several times please help me resolve this issue. I did not authorize this inquiry on this date. 

XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX - XX/XX/2019

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 2021-02-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have been a customer since 2016. Every time myself and my children add authorized users Capital One keeps restricting my accounts as fraud and mandating I verify identity after they already verified identity previously. I have constantly been doing this for several months. I add authorized users simply to help build their credit. I own a business called XXXX XXXX XXXX XXXX. I have an EIN number and Tax ID and yet after being with Capital One they are without reason continuing to restrict my accounts, my son XXXX XXXX XXXX accounts and my son XXXX XXXX. There is NOTHING legitifying these fraud alerts. The accounts cross match with the same email address, physical addresses, they can validate phone numbers and entire identity. Then I spoke with a XXXX in XXXX who refused to advise me the names of the authorized users and refused to provide identifying information so that I can have capital one listen to the call. She refused to advise me her supervisor 's name. Yes I was PAST frustrated, but the called continued for almost an hour and when I requested information she went around the subject. I will be following up with a complaint to Consumer Financial Protection Bureau, federal Trade Commission. The authorized users on all the accounts is simply to assist my family in establishing credit and Capital One is making this difficult. I am an account holder with 3 cards, My mom has 3, his XXXX brother has 1 and these users were already verified or were added previously and now they want all this proof WHILE they restrict accounts and take weeks to resolve and allow us access to the accounts again. They already verified XXXX XXXX, and XXXX XXXX and XXXX XXXX and XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have submitted letters in writing, over the internet and through apps to have inaccurate and false information removed from my records. Some have been removed, others have failed to reply, some information is still showing despite being proven invalid.

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 2020-07-04
Company: ERC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS XXXX ENHANCED RECOVERY CO  XXXX XXXX ENHANCED RECOVERY CO XXXX XXXX XXXX company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ENHANCED RECOVERY CO XXXX XXXX ENHANCED RECOVERY CO XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation