BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-16
Company: MJ Altman Companies, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company no stop calls me almost daily! I and my wife have both asked them repeatedly not to contact us by phone only to contact us in writing. We both receive calls almost daily! If the cant get me they try my wife then call Me back! It is out right harassment! They keep threatening to place the item on credit report! I and my wife had told them go ahead! They keep calling non stop! We have told them several times no contact butnin writting. They keep calling

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 2021-03-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2021, I was the victim of an extortion scam by people who pretended to be government ICE agents and XXXX XXXX Police. They used the correct numbers and location tags that corresponded with both agencies. The " ICE agents '' had me visit the ICE website and read multiple documents to ensure that I understood the consequences of refusing to comply with their investigation. 

They threatened to arrest me on identity theft charges and would use force if I tried to evade arrest. To avoid getting arrested altogether and continue the identity theft investigation as a free citizen, I had to pay the amount of an immigration bond. 

I was asked to download the app XXXX on my phone to grant remote access, which I didn't know. I was told that this app would be used to monitor my phone activity so that I wouldn't be suspected of running away from the current phone investigation. 

I made two separate Chase XXXX with XXXX transactions to an account that I was told would be my attorney for the investigation. The account was for XXXX XXXX, XXXX. The first transaction was {$1000.00} and the second was {$950.00}. 

After realizing I had been threatened by fake agents and police, I filed a complaint with XXXX, which they are investigating, and attempted to file a complaint with my Chase bank, but many Chase representatives have refused to submit a claim. One rep. finally submitted a claim, but it was rejected by Chase 's system and when I called about it, another rep. told me that Chase doesn't investigate any scams involving XXXX, even though this transaction was with Chase Bank. Overall, Chase Bank has been incredibly unhelpful. 

I also submitted complaints to the Federal Trade Commission, Federal Reserve Board, FBI : Internet Crime Complaint Center IC3, Fraud.org, Federal Deposit Insurance Corporation, and Department of Financial Protection and Innovation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: EQUIFAX, INC.
State: CA
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:
XXXX, EQUIFAX and XXXX are in violation of the law for reporting fraudulent and misleading information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: Crossroads Systems Inc.
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied on XXXX XXXX to receive the PPP loan with XXXX. The loan was approved by Sba on XXXX XXXX to receive funds. I sign documents on XXXX XXXX that my lender would be XXXX XXXX XXXX lending me {$20000.00}. Documents signed & completed on XXXX XXXX been waiting to be funded since then. The documents state 10 days to be funded. No letter or explanation on why the funds hasnt been deposited. They did send out email stating they had issues with the bank XXXX but I bank with XXXX XXXX. So I send numerous chats to XXXX see whats going on. They dont know. Send email to XXXX XXXX XXXX XXXX XXXX XXXX. No response. Sent an email to my local Sba and they provided me with XXXX XXXX information. No help because Ive already sent info to XXXX XXXX XXXX. Then they send me some identity questions on XX/XX/2021. I failed them. Never provided a reason for identity questions. Now I sent 3 different identifications in email to prove to let them know its me. These lenders dont know anything. They dont have a phone you can contact them. Where funds was supposed to be funded weeks ago & who knows whats going on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Resurgent Capital Services L.P.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 USC 1668B : A creditor may treat a payment on a credit card account under a open end consumer credit plan as late for an purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: Commonwealth Financial Systems, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
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 looked on my XXXX XXXX and it told me i had a collection i had never seen before from Connecticut. When i Disputed With Experian they told me that it came back as mine when i asked them to verify the information they refused and told me they did not have to dispute my case over again. 

please help

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 2020-10-26
Company: DISCOVER BANK
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Discover Personal loans has me listed as being in default of a personal loan that was opened fraudulently and I did not apply for. 

It is a case of Identity Theft and I have never even lived at the address I'm which I supposedly applied. 

I would like Discover to provide me with ANY application for this loan in MY XXXX with a verified bank account in my name that could be linked to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: Armed Forces Loans of Nevada Inc.
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
This Company ArmedForcesLoans is practicing unlawful practices that includes …1) Collecting  interest, fees or additional charges on top of the amount owed that is not authorized by the agreement when creating the debt.2) Returning to sender Mail sent on my behalf by credit services Lawyers.3. Refusing to answer disputes so I cant open another4, Refuse to accept my XXXX XXXX XXXX XXXX status that would forgive my loan

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
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 was in the process of shopping for a refinance company, and began working with XXXXXXXX XXXX XXXX XXXX XXXX XXXX ID XXXX ). As part of the process I provided my social security as my credit would be pulled. I authorized a single credit inquiry on and for the date XX/XX/2021. XXXX days later on XX/XX/XXXX, a XXXX  hard inquiry was completed using my information without my authorization, by XXXX. I immediately contacted XXXX XXXX and highlighted the issue and my disapproval. XXXX XXXX assured me the inquiry was an error on their end and that the issue would be rectified. For XXXX months weve gone back and forth and the matter remains unresolved. XXXX XXXX lied to me that a deletion was requested, this was in XXXX. Ive contacted the company and reached out to XXXX again by email and yet nothing has been done. XXXX XXXX has also refused to further reply to my emails despite being the person that caused the issue. I have several emails which corroborates the aforementioned.

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 2019-01-04
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
IC Systems has reported inaccurate information to the three major credit bureaus. This collection account continues to surface from different companies over the last 13 years. The alleged debt is barred from statue of limitations and just the fact it is not owed. They can not provide any legal documents that supports any liability and has caused financial hardship and has been detrimental to my credit and has cause decrease in credit scores and denial from a real estate transaction.

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 2018-08-16
Company: ALLY FINANCIAL INC.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX, XXXX, XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2020-07-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I opened an account for Capital One for a credit card in XX/XX/XXXX. I made on time payments but there were 5 months between XX/XX/XXXX and XX/XX/XXXX that I did have late payments. 

However in XX/XX/XXXX I made a payment arrangement with capital one to pay {$50.00} a month until the debt is paid off. I paid {$50.00} on time from XX/XX/XXXX to XX/XX/XXXX. The company did not inform me that each payment I made was hurting my credit. If I knew that I would have never made one payment. I now have 37 charge offs on my account for just this one bill. My husband and I recently found out our landlord is selling the house we are in and we are trying to get pre-approved for a home and this is one thing that is preventing us from being able to move. 

I settled the debt with Capital one for {$420.00} of the {$1200.00} I had left on the balance to avoid any further charge offs that could hurt my credit. Now the debt is paid off but the balance still says {$780.00} on my credit report. I understand that I made the changes in XX/XX/XXXX to settle it so it may take until XXXX to clear it but I want the 37 negative marks removed. When I call the company they don't have anyone I can talk to that understands how the credit is reported. I am a HXXXX XXXX  XXXX myself and I know how read client 's credit reports and when I discovered this ... I regret that I paid them a dime. 

Please help me so I can get pre-approved. My credit is behind 18 points and I have paid off all debts besides my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I placed a freeze on my credit a few months ago with Equifax. I was given a pin number to use. To be able to lock and unlock it. On yesterday I tried to unlock it. Instead of being asked for the pin number by the automated system. I was routed a representative. The rep told me that he was unable to unlock my credit because i didn't answer all of the questions correctly ( I didn't know the amount of some credit accounts ). The rep never asked for the pin number. I was then asked to mail in some information to identify myself. This makes no sense as I have been given the pin number to access my account I shouldn't even have to speak to a rep. Now I can't apply for credit in the time frame that I desire.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited check with Chase the recieved the funds and will not let me have access. The amount has been deducted from the person who gave me the check.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-05
Company: EQUIFAX, INC.
State: MA
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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I spoke with XXXX XXXX from Wells Fargo customer advocacy support team to resolve a complaint case ID number XXXX XXXX XXXX XXXX XXXX XXXX XXXX that complaint ID number has not been satisfied but it was closed without my permission nor have I received any information on it being closed I requested a check dated XXXX XXXX have a stop payment on it and be reissued Wells Fargo has still not done that as of yet they created another case claim number to delay the claim Wells Fargo employee XXXX XXXX has also decline to put a stop payment check on the check they did XXXX XXXX and have it reissued Wells Fargo owes me money for holding my money without my permission in accounts ending in XXXX XXXX XXXX XXXX + XXXX and XXXX and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and XXXX It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.

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 2023-04-14
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX, representative for American Express Credit Card, has called and left messages repeatedly since XX/XX/XXXX. 
Called to settle debt with XXXX beginning of XX/XX/XXXX, Call reference # XXXX. Representative mentioned that company would sue me if I didn't pay the debt by that Monday. That if I wanted to stop legal action, I would be required to pay XXXX up front. He used threatening language and acted as if I was a criminal. When I told him I didn't have the funds, he kept telling me that I'm a grown woman and I should be paying them now instead of incurring a debt. This conversation lasted over an hour. 
After that call, XXXX has tried calling and left messages everyday for the past three weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: Siwell Inc
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, reached out to Swivell, Inc., Capital Mortgage of Texas since I have a closing on my property located in XXXX Florida. When I spoke with Customer Service requested to get a Release and satisfaction of the mortgage on loan # XXXX since the loan had been already paid off on XX/XX/XXXX. I was transferred to the person in charge of Release XXXX XXXX and all I got was a voice mail, left several messages on XX/XX/XXXX and XX/XX/XXXX, and sent a text via chat on their website and as of today, have no heard from anybody nor received a release of the mortgage that was paid off. The Title Company that is working on the closing also faxed them a request for the satisfaction of mortgage and called XXXX and spoke with someone by the name of Mr. XXXX and no one has responded back to her. I want the Release of the Mortgage. Just wondering why they do not want to release the mortgage that have been paid. Is highly questionable why the do not want to release a mortgage that has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: SOUTHSTATE CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX years old had a bank account under fathers name ( south state bank ) we both was given access to account but was never told that by father was only told that by bank Ive not lived with my father for 2 months and had money that was on the account and I went into a branch for the statement and I did not spend the money that was being spent on my account because he have been spending my money on my account I had 2 overdraft fees that caused my account to be closed. What process would I have to do to get my money back the bank said they cant really do anything about it because we was both given access. Also have proof havent had my card or account log in info

Company response to consumer: Closed with explanation